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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 | $16,435 | $81,487-79.8% | $102,412-84.0% | $80,935-79.7% |
| Participation rate | 64.0% | 66.8%-2.8pp | 74.5%-10.5pp | 67.7%-3.7pp |
| Annual return | 10.28% | 25.60%-15.3pp | 24.94%-14.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $1,048 | $3,103-66.2% | $3,870-72.9% | $2,757-62.0% |
| Participant deferral / active EE | $2,404 | $3,871-37.9% | $5,060-52.5% | $4,299-44.1% |
| Admin fee / account holder | $3,049 | $6,717-54.6% | $8,388-63.6% | $6,924-56.0% |