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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 | $8,781 | $72,492-87.9% | $87,104-89.9% | $72,975-88.0% |
| Participation rate | 48.4% | 72.8%-24.4pp | 76.9%-28.4pp | 69.5%-21.1pp |
| Annual return | 10.06% | 24.46%-14.4pp | 28.19%-18.1pp | 81.01%-70.9pp |
| Employer contribution / active EE | $1,156 | $1,894-39.0% | $2,521-54.2% | $2,440-52.6% |
| Participant deferral / active EE | $1,977 | $3,270-39.5% | $4,048-51.2% | $3,608-45.2% |
| Admin fee / account holder | $343 | $5,055-93.2% | $7,491-95.4% | $5,124-93.3% |