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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 | $20,047 | $81,487-75.4% | $102,412-80.4% | $80,935-75.2% |
| Participation rate | 36.7% | 66.8%-30.2pp | 74.5%-37.8pp | 67.7%-31.0pp |
| Annual return | 9.17% | 25.60%-16.4pp | 24.94%-15.8pp | 35.66%-26.5pp |
| Employer contribution / active EE | $1,151 | $3,103-62.9% | $3,870-70.2% | $2,757-58.2% |
| Participant deferral / active EE | $3,529 | $3,871-8.8% | $5,060-30.3% | $4,299-17.9% |
| Admin fee / account holder | $6,514 | $6,717-3.0% | $8,388-22.3% | $6,924-5.9% |