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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 | $17,621 | $60,349-70.8% | $74,184-76.2% | $62,881-72.0% |
| Participation rate | 41.3% | 72.7%-31.4pp | 76.6%-35.3pp | 69.3%-28.0pp |
| Annual return | 4.13% | 21.38%-17.2pp | 17.74%-13.6pp | 20.14%-16.0pp |
| Employer contribution / active EE | $786 | $1,680-53.2% | $2,370-66.8% | $2,281-65.5% |
| Participant deferral / active EE | $1,522 | $2,856-46.7% | $3,550-57.1% | $3,203-52.5% |
| Admin fee / account holder | $969 | $4,261-77.3% | $5,586-82.7% | $4,296-77.4% |