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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,498 | $81,446-83.4% | $103,374-86.9% | $80,874-83.3% |
| Participation rate | 64.6% | 66.9%-2.3pp | 74.5%-9.9pp | 67.6%-3.1pp |
| Annual return | 10.02% | 25.57%-15.5pp | 24.89%-14.9pp | 35.62%-25.6pp |
| Employer contribution / active EE | $1,079 | $3,107-65.3% | $3,869-72.1% | $2,756-60.8% |
| Participant deferral / active EE | $2,157 | $3,870-44.3% | $5,058-57.3% | $4,297-49.8% |
| Admin fee / account holder | $3,808 | $6,715-43.3% | $8,394-54.6% | $6,935-45.1% |