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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 | $18,754 | $63,314-70.4% | $91,004-79.4% | $62,293-69.9% |
| Participation rate | 59.4% | 73.3%-13.9pp | 75.6%-16.2pp | 69.5%-10.1pp |
| Annual return | 11.52% | 21.00%-9.5pp | 4.60%+6.9pp | 28.90%-17.4pp |
| Employer contribution / active EE | $1,213 | $1,807-32.9% | $2,456-50.6% | $2,042-40.6% |
| Participant deferral / active EE | $1,572 | $2,944-46.6% | $3,548-55.7% | $3,169-50.4% |
| Admin fee / account holder | $1,027 | $468+119.5% | $5,417-81.1% | $479+114.2% |