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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 | $23,499 | $86,940-73.0% | $102,434-77.1% | $80,935-71.0% |
| Participation rate | 61.2% | 72.4%-11.2pp | 76.5%-15.3pp | 67.7%-6.5pp |
| Annual return | 7.94% | 18.89%-11.0pp | 29.46%-21.5pp | 35.66%-27.7pp |
| Employer contribution / active EE | $1,702 | $2,370-28.2% | $3,023-43.7% | $2,757-38.3% |
| Participant deferral / active EE | $2,729 | $4,121-33.8% | $5,055-46.0% | $4,299-36.5% |
| Admin fee / account holder | $2,018 | $8,047-74.9% | $9,462-78.7% | $6,924-70.9% |