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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 | $18,179 | $60,349-69.9% | $74,184-75.5% | $62,881-71.1% |
| Participation rate | 63.1% | 72.7%-9.7pp | 76.6%-13.5pp | 69.3%-6.2pp |
| Annual return | 4.47% | 21.38%-16.9pp | 17.74%-13.3pp | 20.14%-15.7pp |
| Employer contribution / active EE | $487 | $1,680-71.0% | $2,370-79.5% | $2,281-78.7% |
| Participant deferral / active EE | $2,476 | $2,856-13.3% | $3,550-30.3% | $3,203-22.7% |
| Admin fee / account holder | $1,705 | $4,261-60.0% | $5,586-69.5% | $4,296-60.3% |