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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 | $32,746 | $91,120-64.1% | $161,149-79.7% | $64,097-48.9% |
| Participation rate | 41.1% | 62.2%-21.1pp | 78.8%-37.8pp | 55.2%-14.1pp |
| Annual return | 10.78% | 17.95%-7.2pp | 21.16%-10.4pp | 34.64%-23.9pp |
| Employer contribution / active EE | $1,221 | $2,284-46.5% | $4,360-72.0% | $1,891-35.4% |
| Participant deferral / active EE | $2,025 | $3,708-45.4% | $6,153-67.1% | $3,080-34.3% |
| Admin fee / account holder | $14,917 | $4,535+228.9% | $15,194-1.8% | $3,454+331.8% |