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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 | $17,541 | $135,954-87.1% | $123,893-85.8% | $273,968-93.6% |
| Participation rate | 66.7% | 84.1%-17.4pp | 81.4%-14.7pp | 83.0%-16.3pp |
| Annual return | 2.11% | 56.63%-54.5pp | 47.52%-45.4pp | 41.45%-39.3pp |
| Employer contribution / active EE | $1,440 | $5,170-72.2% | $4,617-68.8% | $4,869-70.4% |
| Participant deferral / active EE | $2,232 | $6,343-64.8% | $5,984-62.7% | $5,287-57.8% |
| Admin fee / account holder | $662 | $9,817-93.3% | $8,357-92.1% | $10,132-93.5% |