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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 | $25,779 | $80,992-68.2% | $96,534-73.3% | $75,173-65.7% |
| Participation rate | 47.1% | 71.8%-24.7pp | 76.0%-28.9pp | 67.2%-20.1pp |
| Annual return | 12.41% | 27.05%-14.6pp | 25.88%-13.5pp | 160.72%-148.3pp |
| Employer contribution / active EE | $2,360 | $2,283+3.4% | $2,965-20.4% | $2,671-11.7% |
| Participant deferral / active EE | $6,605 | $3,929+68.1% | $4,851+36.2% | $4,126+60.1% |
| Admin fee / account holder | $2,602 | $6,717-61.3% | $8,253-68.5% | $5,651-54.0% |