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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 | $10,184 | $81,504-87.5% | $102,437-90.1% | $80,959-87.4% |
| Participation rate | 57.7% | 66.9%-9.2pp | 74.5%-16.8pp | 67.7%-10.0pp |
| Annual return | 4.92% | 25.60%-20.7pp | 24.95%-20.0pp | 35.67%-30.7pp |
| Employer contribution / active EE | $1,007 | $3,104-67.5% | $3,871-74.0% | $2,757-63.5% |
| Participant deferral / active EE | $2,158 | $3,871-44.3% | $5,060-57.4% | $4,300-49.8% |
| Admin fee / account holder | $1,863 | $6,719-72.3% | $8,388-77.8% | $6,925-73.1% |