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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 | $23,619 | $80,992-70.8% | $96,534-75.5% | $75,173-68.6% |
| Participation rate | 48.0% | 71.8%-23.8pp | 76.0%-28.0pp | 67.2%-19.2pp |
| Annual return | 4.21% | 27.05%-22.8pp | 25.88%-21.7pp | 160.72%-156.5pp |
| Employer contribution / active EE | $1,123 | $2,283-50.8% | $2,965-62.1% | $2,671-58.0% |
| Participant deferral / active EE | $1,834 | $3,929-53.3% | $4,851-62.2% | $4,126-55.6% |
| Admin fee / account holder | $572 | $6,717-91.5% | $8,253-93.1% | $5,651-89.9% |