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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 | $16,988 | $76,551-77.8% | $123,894-86.3% | $62,881-73.0% |
| Participation rate | 51.6% | 73.0%-21.4pp | 81.4%-29.8pp | 69.3%-17.7pp |
| Annual return | 3.19% | 18.68%-15.5pp | 47.52%-44.3pp | 20.14%-16.9pp |
| Employer contribution / active EE | $932 | $2,882-67.7% | $4,617-79.8% | $2,281-59.2% |
| Participant deferral / active EE | $2,766 | $4,840-42.8% | $5,984-53.8% | $3,203-13.6% |
| Admin fee / account holder | $33,320 | $4,826+590.4% | $8,357+298.7% | $4,296+675.6% |