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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 | $14,912 | $89,241-83.3% | $134,172-88.9% | $79,634-81.3% |
| Participation rate | 35.1% | 47.1%-12.0pp | 72.5%-37.4pp | 62.5%-27.4pp |
| Annual return | 10.79% | 16.69%-5.9pp | 25.30%-14.5pp | 36.46%-25.7pp |
| Employer contribution / active EE | $472 | $1,634-71.1% | $3,420-86.2% | $2,529-81.3% |
| Participant deferral / active EE | $827 | $2,288-63.9% | $4,690-82.4% | $3,835-78.4% |
| Admin fee / account holder | $3,144 | $1,359+131.4% | $12,016-73.8% | $1,002+213.8% |