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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 | $13,922 | $60,349-76.9% | $74,184-81.2% | $62,881-77.9% |
| Participation rate | 55.2% | 72.7%-17.6pp | 76.6%-21.4pp | 69.3%-14.1pp |
| Annual return | 4.57% | 21.38%-16.8pp | 17.74%-13.2pp | 20.14%-15.6pp |
| Employer contribution / active EE | $1,217 | $1,680-27.6% | $2,370-48.6% | $2,281-46.6% |
| Participant deferral / active EE | $3,021 | $2,856+5.8% | $3,550-14.9% | $3,203-5.7% |
| Admin fee / account holder | $1,350 | $4,261-68.3% | $5,586-75.8% | $4,296-68.6% |