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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 | $22,578 | $79,867-71.7% | $120,344-81.2% | $64,340-64.9% |
| Participation rate | 63.0% | 63.0%0pp | 76.7%-13.7pp | 55.2%+7.8pp |
| Annual return | 11.13% | 21.10%-10.0pp | 20.30%-9.2pp | 24.14%-13.0pp |
| Employer contribution / active EE | $1,748 | $1,925-9.2% | $3,020-42.1% | $1,862-6.1% |
| Participant deferral / active EE | $3,381 | $3,593-5.9% | $5,135-34.2% | $2,980+13.5% |
| Admin fee / account holder | $8,192 | $5,039+62.6% | $12,742-35.7% | $3,703+121.3% |