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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 | $16,106 | $77,962-79.3% | $178,540-91.0% | $80,935-80.1% |
| Participation rate | 63.6% | 65.7%-2.0pp | 77.1%-13.5pp | 67.7%-4.0pp |
| Annual return | 10.17% | 18.10%-7.9pp | 27.15%-17.0pp | 35.66%-25.5pp |
| Employer contribution / active EE | $1,559 | $2,280-31.6% | $3,953-60.6% | $2,757-43.5% |
| Participant deferral / active EE | $2,145 | $4,404-51.3% | $6,281-65.9% | $4,299-50.1% |
| Admin fee / account holder | $629 | $7,156-91.2% | $10,424-94.0% | $6,924-90.9% |