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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 | $11,919 | $77,574-84.6% | $108,753-89.0% | $86,983-86.3% |
| Participation rate | 50.0% | 62.3%-12.3pp | 71.1%-21.1pp | 69.5%-19.5pp |
| Annual return | 8.62% | 18.42%-9.8pp | 37.47%-28.9pp | 25.83%-17.2pp |
| Employer contribution / active EE | $996 | $1,611-38.2% | $2,427-59.0% | $2,584-61.5% |
| Participant deferral / active EE | $1,752 | $3,128-44.0% | $4,115-57.4% | $4,194-58.2% |
| Admin fee / account holder | $2,170 | $6,529-66.8% | $10,320-79.0% | $7,856-72.4% |