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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 | $13,415 | $65,367-79.5% | $92,915-85.6% | $72,976-81.6% |
| Participation rate | 37.1% | 68.3%-31.2pp | 76.0%-38.9pp | 69.5%-32.4pp |
| Annual return | 16.10% | 42.11%-26.0pp | 109.45%-93.3pp | 81.02%-64.9pp |
| Employer contribution / active EE | $991 | $2,594-61.8% | $3,653-72.9% | $2,440-59.4% |
| Participant deferral / active EE | $1,520 | $3,128-51.4% | $4,238-64.1% | $3,608-57.9% |
| Admin fee / account holder | $416 | $4,251-90.2% | $5,796-92.8% | $5,124-91.9% |