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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 | $26,795 | $123,793-78.4% | $177,840-84.9% | $79,852-66.4% |
| Participation rate | 67.1% | 84.7%-17.6pp | 87.7%-20.6pp | 69.6%-2.5pp |
| Annual return | 9.68% | 22.82%-13.1pp | 48.32%-38.6pp | 31.72%-22.0pp |
| Employer contribution / active EE | $2,075 | $4,095-49.3% | $5,919-64.9% | $2,471-16.0% |
| Participant deferral / active EE | $4,109 | $5,956-31.0% | $7,714-46.7% | $3,740+9.9% |
| Admin fee / account holder | $2,466 | $7,243-66.0% | $12,431-80.2% | $5,306-53.5% |