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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 | $14,948 | $73,978-79.8% | $96,515-84.5% | $75,173-80.1% |
| Participation rate | 27.6% | 66.4%-38.8pp | 74.3%-46.8pp | 67.2%-39.6pp |
| Annual return | 11.53% | 26.72%-15.2pp | 35.73%-24.2pp | 160.72%-149.2pp |
| Employer contribution / active EE | $934 | $2,931-68.1% | $3,740-75.0% | $2,671-65.0% |
| Participant deferral / active EE | $2,987 | $3,660-18.4% | $4,880-38.8% | $4,126-27.6% |
| Admin fee / account holder | $11,067 | $5,219+112.1% | $6,735+64.3% | $5,651+95.9% |