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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 | $18,302 | $89,364-79.5% | $141,177-87.0% | $72,983-74.9% |
| Participation rate | 61.5% | 75.1%-13.6pp | 82.5%-20.9pp | 69.5%-7.9pp |
| Annual return | 15.14% | 111.86%-96.7pp | 71.40%-56.3pp | 81.01%-65.9pp |
| Employer contribution / active EE | $2,395 | $3,115-23.1% | $4,736-49.4% | $2,440-1.8% |
| Participant deferral / active EE | $3,604 | $5,419-33.5% | $6,710-46.3% | $3,608-0.1% |
| Admin fee / account holder | $394 | $5,959-93.4% | $10,263-96.2% | $5,124-92.3% |