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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 | $16,113 | $51,708-68.8% | $106,619-84.9% | $62,881-74.4% |
| Participation rate | 48.0% | 66.9%-18.9pp | 78.0%-30.0pp | 69.3%-21.3pp |
| Annual return | 4.07% | 4.69%-0.6pp | 9.42%-5.3pp | 20.14%-16.1pp |
| Employer contribution / active EE | $671 | $1,764-61.9% | $3,947-83.0% | $2,281-70.6% |
| Participant deferral / active EE | $1,076 | $2,315-53.5% | $3,930-72.6% | $3,203-66.4% |
| Admin fee / account holder | $486 | $3,349-85.5% | $6,418-92.4% | $4,296-88.7% |