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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 | $19,546 | $81,476-76.0% | $102,383-80.9% | $80,925-75.8% |
| Participation rate | 51.4% | 66.8%-15.4pp | 74.5%-23.1pp | 67.7%-16.2pp |
| Annual return | 3.04% | 25.59%-22.6pp | 24.94%-21.9pp | 35.65%-32.6pp |
| Employer contribution / active EE | $1,216 | $3,105-60.8% | $3,870-68.6% | $2,756-55.9% |
| Participant deferral / active EE | $2,575 | $3,871-33.5% | $5,060-49.1% | $4,299-40.1% |
| Admin fee / account holder | $4,300 | $6,717-36.0% | $8,391-48.8% | $6,940-38.0% |