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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 | $13,193 | $67,602-80.5% | $82,312-84.0% | $70,126-81.2% |
| Participation rate | 57.1% | 72.8%-15.6pp | 76.9%-19.8pp | 69.5%-12.4pp |
| Annual return | 2.26% | 21.57%-19.3pp | 25.88%-23.6pp | 73.15%-70.9pp |
| Employer contribution / active EE | $737 | $1,755-58.0% | $2,428-69.6% | $2,343-68.5% |
| Participant deferral / active EE | $2,801 | $2,987-6.2% | $3,706-24.4% | $3,332-15.9% |
| Admin fee / account holder | $2,083 | $4,512-53.8% | $5,608-62.9% | $4,645-55.2% |