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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 | $19,976 | $94,031-78.8% | $115,768-82.7% | $82,448-75.8% |
| Participation rate | 60.7% | 70.4%-9.8pp | 74.4%-13.7pp | 68.1%-7.4pp |
| Annual return | 10.59% | 20.61%-10.0pp | 100.46%-89.9pp | 41.64%-31.0pp |
| Employer contribution / active EE | $667 | $2,323-71.3% | $2,940-77.3% | $2,551-73.8% |
| Participant deferral / active EE | $2,086 | $3,972-47.5% | $4,917-57.6% | $4,139-49.6% |
| Admin fee / account holder | $3,109 | $10,249-69.7% | $12,439-75.0% | $7,234-57.0% |