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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 | $16,397 | $68,868-76.2% | $183,328-91.1% | $67,986-75.9% |
| Participation rate | 34.5% | 57.0%-22.6pp | 77.3%-42.9pp | 57.2%-22.7pp |
| Annual return | 8.78% | 28.80%-20.0pp | 29.67%-20.9pp | 31.67%-22.9pp |
| Employer contribution / active EE | $858 | $2,917-70.6% | $5,055-83.0% | $2,019-57.5% |
| Participant deferral / active EE | $1,856 | $4,364-57.5% | $6,795-72.7% | $3,358-44.7% |
| Admin fee / account holder | $2,966 | $3,805-22.1% | $21,427-86.2% | $3,203-7.4% |