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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 | $16,919 | $69,590-75.7% | $136,867-87.6% | $94,015-82.0% |
| Participation rate | 62.5% | 66.3%-3.8pp | 74.5%-12.0pp | 70.8%-8.3pp |
| Annual return | 10.33% | 19.62%-9.3pp | 42.97%-32.6pp | 17.84%-7.5pp |
| Employer contribution / active EE | $1,104 | $2,396-53.9% | $3,547-68.9% | $2,790-60.4% |
| Participant deferral / active EE | $0 | $3,437-100.0% | $4,924-100.0% | $4,249-100.0% |
| Admin fee / account holder | $796 | $8,912-91.1% | $10,340-92.3% | $8,951-91.1% |