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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 | $97,648-79.5% | $121,663-83.6% | $87,485-77.2% |
| Participation rate | 60.7% | 70.5%-9.8pp | 74.5%-13.8pp | 68.9%-8.3pp |
| Annual return | 10.59% | 18.03%-7.4pp | 147.54%-136.9pp | 26.06%-15.5pp |
| Employer contribution / active EE | $667 | $2,300-71.0% | $3,020-77.9% | $2,596-74.3% |
| Participant deferral / active EE | $2,086 | $3,923-46.8% | $4,887-57.3% | $4,274-51.2% |
| Admin fee / account holder | $3,109 | $11,100-72.0% | $14,289-78.2% | $7,775-60.0% |