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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 | $14,654 | $67,602-78.3% | $82,312-82.2% | $70,126-79.1% |
| Participation rate | 51.4% | 72.8%-21.3pp | 76.9%-25.5pp | 69.5%-18.1pp |
| Annual return | 11.33% | 21.57%-10.2pp | 25.88%-14.5pp | 73.15%-61.8pp |
| Employer contribution / active EE | $498 | $1,755-71.6% | $2,428-79.5% | $2,343-78.7% |
| Participant deferral / active EE | $2,180 | $2,987-27.0% | $3,706-41.2% | $3,332-34.6% |
| Admin fee / account holder | $1,467 | $4,512-67.5% | $5,608-73.8% | $4,645-68.4% |