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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 | $18,521 | $69,383-73.3% | $101,271-81.7% | $73,493-74.8% |
| Participation rate | 33.7% | 68.4%-34.7pp | 75.8%-42.2pp | 70.7%-37.0pp |
| Annual return | 9.65% | 18.46%-8.8pp | 46.48%-36.8pp | 28.51%-18.9pp |
| Employer contribution / active EE | $963 | $2,628-63.4% | $3,660-73.7% | $2,270-57.6% |
| Participant deferral / active EE | $1,810 | $3,301-45.2% | $4,371-58.6% | $3,740-51.6% |
| Admin fee / account holder | $1,651 | $704+134.6% | $5,948-72.2% | $513+221.8% |