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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 | $30,760 | $114,712-73.2% | $173,730-82.3% | $87,485-64.8% |
| Participation rate | 64.0% | 73.0%-9.0pp | 79.6%-15.6pp | 68.9%-4.9pp |
| Annual return | 11.68% | 20.18%-8.5pp | 19.96%-8.3pp | 26.06%-14.4pp |
| Employer contribution / active EE | $1,732 | $2,904-40.4% | $4,577-62.2% | $2,596-33.3% |
| Participant deferral / active EE | $2,978 | $4,642-35.8% | $6,326-52.9% | $4,274-30.3% |
| Admin fee / account holder | $4,632 | $10,210-54.6% | $17,523-73.6% | $7,775-40.4% |