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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 | $14,673 | $81,504-82.0% | $102,437-85.7% | $80,959-81.9% |
| Participation rate | 38.1% | 66.9%-28.8pp | 74.5%-36.4pp | 67.7%-29.6pp |
| Annual return | 10.06% | 25.60%-15.5pp | 24.95%-14.9pp | 35.67%-25.6pp |
| Employer contribution / active EE | $990 | $3,104-68.1% | $3,871-74.4% | $2,757-64.1% |
| Participant deferral / active EE | $2,372 | $3,871-38.7% | $5,060-53.1% | $4,300-44.8% |
| Admin fee / account holder | $3,057 | $6,719-54.5% | $8,388-63.6% | $6,925-55.9% |