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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 | $17,981 | $56,287-68.1% | $80,977-77.8% | $62,881-71.4% |
| Participation rate | 60.0% | 68.9%-8.9pp | 75.8%-15.8pp | 69.3%-9.3pp |
| Annual return | -3.25% | 22.13%-25.4pp | 17.11%-20.4pp | 20.14%-23.4pp |
| Employer contribution / active EE | $549 | $1,943-71.7% | $3,715-85.2% | $2,281-75.9% |
| Participant deferral / active EE | $1,774 | $4,196-57.7% | $5,696-68.9% | $3,203-44.6% |
| Admin fee / account holder | $788 | $3,742-78.9% | $5,517-85.7% | $4,296-81.6% |