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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 | $19,084 | $153,769-87.6% | $133,975-85.8% | $273,972-93.0% |
| Participation rate | 30.0% | 88.4%-58.4pp | 87.1%-57.1pp | 83.0%-53.0pp |
| Annual return | 2.79% | 36.51%-33.7pp | 29.29%-26.5pp | 41.46%-38.7pp |
| Employer contribution / active EE | $1,295 | $6,029-78.5% | $5,211-75.1% | $4,869-73.4% |
| Participant deferral / active EE | $2,661 | $6,958-61.8% | $6,282-57.6% | $5,287-49.7% |
| Admin fee / account holder | $535 | $11,765-95.5% | $9,324-94.3% | $10,133-94.7% |