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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 | $26,080 | $94,436-72.4% | $115,599-77.4% | $82,637-68.4% |
| Participation rate | 60.5% | 70.4%-9.9pp | 74.3%-13.8pp | 68.1%-7.5pp |
| Annual return | 11.95% | 18.37%-6.4pp | 111.10%-99.1pp | 53.51%-41.6pp |
| Employer contribution / active EE | $1,864 | $2,324-19.8% | $2,955-36.9% | $2,552-26.9% |
| Participant deferral / active EE | $2,783 | $3,955-29.6% | $4,889-43.1% | $4,126-32.5% |
| Admin fee / account holder | $4,654 | $10,328-54.9% | $12,841-63.8% | $7,339-36.6% |