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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 | $30,939 | $87,834-64.8% | $133,975-76.9% | $62,881-50.8% |
| Participation rate | 52.1% | 83.4%-31.3pp | 87.1%-35.0pp | 69.3%-17.2pp |
| Annual return | 5.13% | 12.05%-6.9pp | 29.29%-24.2pp | 20.14%-15.0pp |
| Employer contribution / active EE | $1,187 | $3,482-65.9% | $5,211-77.2% | $2,281-47.9% |
| Participant deferral / active EE | $3,560 | $4,812-26.0% | $6,282-43.3% | $3,203+11.2% |
| Admin fee / account holder | $4,373 | $5,372-18.6% | $9,324-53.1% | $4,296+1.8% |