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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 | $17,165 | $54,541-68.5% | $78,778-78.2% | $70,126-75.5% |
| Participation rate | 36.1% | 60.8%-24.7pp | 69.2%-33.0pp | 69.5%-33.4pp |
| Annual return | 5.86% | 21.07%-15.2pp | 35.62%-29.8pp | 73.15%-67.3pp |
| Employer contribution / active EE | $206 | $1,089-81.1% | $1,986-89.6% | $2,343-91.2% |
| Participant deferral / active EE | $1,295 | $2,210-41.4% | $2,958-56.2% | $3,332-61.1% |
| Admin fee / account holder | $6,027 | $3,709+62.5% | $5,134+17.4% | $4,645+29.7% |