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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 | $18,832 | $73,981-74.5% | $105,754-82.2% | $62,881-70.1% |
| Participation rate | 67.9% | 71.7%-3.8pp | 78.9%-11.1pp | 69.3%-1.4pp |
| Annual return | 3.22% | 17.60%-14.4pp | 12.25%-9.0pp | 20.14%-16.9pp |
| Employer contribution / active EE | $1,040 | $2,856-63.6% | $4,079-74.5% | $2,281-54.4% |
| Participant deferral / active EE | $1,436 | $4,038-64.5% | $5,326-73.0% | $3,203-55.2% |
| Admin fee / account holder | $4,054 | $5,976-32.2% | $8,309-51.2% | $4,296-5.6% |