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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 | $28,213 | $101,795-72.3% | $165,100-82.9% | $80,959-65.2% |
| Participation rate | 51.2% | 71.8%-20.7pp | 78.6%-27.5pp | 67.7%-16.5pp |
| Annual return | 10.59% | 16.73%-6.1pp | 70.21%-59.6pp | 35.67%-25.1pp |
| Employer contribution / active EE | $1,236 | $2,954-58.2% | $4,348-71.6% | $2,757-55.2% |
| Participant deferral / active EE | $3,739 | $4,476-16.5% | $6,035-38.1% | $4,300-13.1% |
| Admin fee / account holder | $1,356 | $8,221-83.5% | $12,696-89.3% | $6,925-80.4% |