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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 | $10,889 | $72,269-84.9% | $101,271-89.2% | $79,852-86.4% |
| Participation rate | 57.1% | 68.5%-11.3pp | 75.8%-18.7pp | 69.6%-12.5pp |
| Annual return | 8.82% | 22.29%-13.5pp | 46.48%-37.7pp | 31.72%-22.9pp |
| Employer contribution / active EE | $1,410 | $2,692-47.6% | $3,660-61.5% | $2,471-42.9% |
| Participant deferral / active EE | $1,548 | $3,282-52.8% | $4,371-64.6% | $3,740-58.6% |
| Admin fee / account holder | $9,225 | $4,401+109.6% | $5,948+55.1% | $5,306+73.9% |