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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 | $14,984 | $56,110-73.3% | $94,993-84.2% | $70,126-78.6% |
| Participation rate | 38.7% | 65.0%-26.3pp | 73.9%-35.2pp | 69.5%-30.8pp |
| Annual return | 7.79% | 51.02%-43.2pp | 27.14%-19.4pp | 73.15%-65.4pp |
| Employer contribution / active EE | $1,694 | $1,442+17.4% | $2,603-35.0% | $2,343-27.7% |
| Participant deferral / active EE | $2,175 | $2,391-9.1% | $3,317-34.4% | $3,332-34.7% |
| Admin fee / account holder | $2,870 | $3,456-17.0% | $4,960-42.1% | $4,645-38.2% |