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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 | $11,276 | $51,708-78.2% | $106,619-89.4% | $62,881-82.1% |
| Participation rate | 65.0% | 66.9%-1.9pp | 78.0%-13.0pp | 69.3%-4.3pp |
| Annual return | 1.91% | 4.69%-2.8pp | 9.42%-7.5pp | 20.14%-18.2pp |
| Employer contribution / active EE | $956 | $1,764-45.8% | $3,947-75.8% | $2,281-58.1% |
| Participant deferral / active EE | $1,171 | $2,315-49.4% | $3,930-70.2% | $3,203-63.4% |
| Admin fee / account holder | $1,295 | $3,349-61.3% | $6,418-79.8% | $4,296-69.9% |