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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 | $19,290 | $93,692-79.4% | $116,538-83.4% | $86,983-77.8% |
| Participation rate | 51.9% | 79.6%-27.8pp | 82.6%-30.7pp | 69.5%-17.7pp |
| Annual return | 10.58% | 26.00%-15.4pp | 17.97%-7.4pp | 25.83%-15.2pp |
| Employer contribution / active EE | $1,947 | $3,831-49.2% | $4,541-57.1% | $2,584-24.6% |
| Participant deferral / active EE | $2,804 | $5,612-50.0% | $6,207-54.8% | $4,194-33.1% |
| Admin fee / account holder | $1,514 | $7,586-80.0% | $8,737-82.7% | $7,856-80.7% |