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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 | $13,797 | $63,809-78.4% | $81,353-83.0% | $80,935-83.0% |
| Participation rate | 29.2% | 63.9%-34.7pp | 69.5%-40.4pp | 67.7%-38.5pp |
| Annual return | 10.07% | 16.37%-6.3pp | 24.82%-14.7pp | 35.66%-25.6pp |
| Employer contribution / active EE | $505 | $1,981-74.5% | $2,464-79.5% | $2,757-81.7% |
| Participant deferral / active EE | $1,182 | $3,093-61.8% | $3,885-69.6% | $4,299-72.5% |
| Admin fee / account holder | $3,107 | $5,686-45.4% | $5,766-46.1% | $6,924-55.1% |