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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 | $23,523 | $87,132-73.0% | $105,624-77.7% | $80,959-70.9% |
| Participation rate | 41.7% | 70.4%-28.8pp | 75.3%-33.6pp | 67.7%-26.0pp |
| Annual return | 7.96% | 17.03%-9.1pp | 116.20%-108.2pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,262 | $2,397-47.4% | $3,168-60.2% | $2,757-54.2% |
| Participant deferral / active EE | $1,885 | $3,985-52.7% | $5,013-62.4% | $4,300-56.2% |
| Admin fee / account holder | $3,445 | $8,449-59.2% | $10,961-68.6% | $6,925-50.2% |