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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 | $20,415 | $94,031-78.3% | $115,768-82.4% | $82,448-75.2% |
| Participation rate | 61.3% | 70.4%-9.1pp | 74.4%-13.1pp | 68.1%-6.8pp |
| Annual return | 8.30% | 20.61%-12.3pp | 100.46%-92.2pp | 41.64%-33.3pp |
| Employer contribution / active EE | $2,511 | $2,323+8.1% | $2,940-14.6% | $2,551-1.6% |
| Participant deferral / active EE | $3,357 | $3,972-15.5% | $4,917-31.7% | $4,139-18.9% |
| Admin fee / account holder | $15,590 | $10,249+52.1% | $12,439+25.3% | $7,234+115.5% |