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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 | $28,891 | $101,798-71.6% | $165,071-82.5% | $80,935-64.3% |
| Participation rate | 65.4% | 71.8%-6.4pp | 78.6%-13.2pp | 67.7%-2.3pp |
| Annual return | 10.57% | 16.73%-6.2pp | 70.17%-59.6pp | 35.66%-25.1pp |
| Employer contribution / active EE | $2,264 | $2,954-23.4% | $4,347-47.9% | $2,757-17.9% |
| Participant deferral / active EE | $3,719 | $4,476-16.9% | $6,035-38.4% | $4,299-13.5% |
| Admin fee / account holder | $6,568 | $8,221-20.1% | $12,695-48.3% | $6,924-5.1% |