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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 | $17,063 | $79,894-78.6% | $135,792-87.4% | $82,637-79.4% |
| Participation rate | 26.0% | 63.0%-37.0pp | 72.6%-46.6pp | 68.1%-42.1pp |
| Annual return | 6.15% | 17.20%-11.0pp | 25.96%-19.8pp | 53.51%-47.4pp |
| Employer contribution / active EE | $1,248 | $2,165-42.3% | $3,496-64.3% | $2,552-51.1% |
| Participant deferral / active EE | $1,774 | $3,194-44.5% | $4,759-62.7% | $4,126-57.0% |
| Admin fee / account holder | $1,927 | $6,434-70.0% | $12,266-84.3% | $7,339-73.7% |