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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 | $96,052-79.9% | $118,106-83.7% | $87,485-78.0% |
| Participation rate | 51.9% | 77.0%-25.2pp | 81.9%-30.0pp | 68.9%-17.1pp |
| Annual return | 10.58% | 24.16%-13.6pp | 19.44%-8.9pp | 26.06%-15.5pp |
| Employer contribution / active EE | $1,947 | $3,939-50.6% | $4,698-58.5% | $2,596-25.0% |
| Participant deferral / active EE | $2,804 | $5,793-51.6% | $6,619-57.6% | $4,274-34.4% |
| Admin fee / account holder | $1,514 | $7,618-80.1% | $8,973-83.1% | $7,775-80.5% |