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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 | $17,354 | $52,884-67.2% | $84,753-79.5% | $55,167-68.5% |
| Participation rate | 49.0% | 67.5%-18.5pp | 76.6%-27.6pp | 69.0%-20.0pp |
| Annual return | 4.79% | 18.03%-13.2pp | 22.78%-18.0pp | 169.23%-164.4pp |
| Employer contribution / active EE | $920 | $2,233-58.8% | $3,574-74.3% | $1,963-53.1% |
| Participant deferral / active EE | $1,875 | $2,644-29.1% | $3,712-49.5% | $3,054-38.6% |
| Admin fee / account holder | $543 | $581-6.5% | $5,333-89.8% | $504+7.8% |