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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 | $39,526 | $138,393-71.4% | $184,256-78.5% | $80,959-51.2% |
| Participation rate | 66.7% | 83.9%-17.2pp | 86.8%-20.2pp | 67.7%-1.0pp |
| Annual return | 9.14% | 20.01%-10.9pp | 28.85%-19.7pp | 35.67%-26.5pp |
| Employer contribution / active EE | $2,006 | $4,847-58.6% | $6,427-68.8% | $2,757-27.2% |
| Participant deferral / active EE | $3,734 | $7,076-47.2% | $9,133-59.1% | $4,300-13.2% |
| Admin fee / account holder | $7,038 | $10,489-32.9% | $13,899-49.4% | $6,925+1.6% |