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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 | $14,452 | $57,828-75.0% | $117,039-87.7% | $70,126-79.4% |
| Participation rate | 66.7% | 67.1%-0.5pp | 77.2%-10.5pp | 69.5%-2.9pp |
| Annual return | 3.35% | 17.55%-14.2pp | 18.95%-15.6pp | 73.15%-69.8pp |
| Employer contribution / active EE | $1,558 | $1,816-14.2% | $3,785-58.8% | $2,343-33.5% |
| Participant deferral / active EE | $1,715 | $2,438-29.7% | $3,929-56.4% | $3,332-48.5% |
| Admin fee / account holder | $474 | $3,548-86.6% | $5,974-92.1% | $4,645-89.8% |