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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 | $78,027-79.4% | $178,528-91.0% | $80,925-80.1% |
| Participation rate | 63.6% | 65.7%-2.0pp | 77.1%-13.5pp | 67.7%-4.0pp |
| Annual return | 10.17% | 18.09%-7.9pp | 27.11%-16.9pp | 35.65%-25.5pp |
| Employer contribution / active EE | $1,559 | $2,281-31.7% | $3,950-60.5% | $2,756-43.4% |
| Participant deferral / active EE | $2,145 | $4,408-51.3% | $6,278-65.8% | $4,299-50.1% |
| Admin fee / account holder | $629 | $7,168-91.2% | $10,419-94.0% | $6,940-90.9% |