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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 | $15,308 | $76,551-80.0% | $123,894-87.6% | $62,881-75.7% |
| Participation rate | 66.7% | 73.0%-6.3pp | 81.4%-14.7pp | 69.3%-2.6pp |
| Annual return | 5.70% | 18.68%-13.0pp | 47.52%-41.8pp | 20.14%-14.4pp |
| Employer contribution / active EE | $452 | $2,882-84.3% | $4,617-90.2% | $2,281-80.2% |
| Participant deferral / active EE | $4,187 | $4,840-13.5% | $5,984-30.0% | $3,203+30.7% |
| Admin fee / account holder | $797 | $4,826-83.5% | $8,357-90.5% | $4,296-81.4% |