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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 | $20,333 | $76,551-73.4% | $123,894-83.6% | $62,881-67.7% |
| Participation rate | 54.8% | 73.0%-18.1pp | 81.4%-26.6pp | 69.3%-14.5pp |
| Annual return | 1.95% | 18.68%-16.7pp | 47.52%-45.6pp | 20.14%-18.2pp |
| Employer contribution / active EE | $556 | $2,882-80.7% | $4,617-88.0% | $2,281-75.6% |
| Participant deferral / active EE | $2,576 | $4,840-46.8% | $5,984-56.9% | $3,203-19.6% |
| Admin fee / account holder | $3,311 | $4,826-31.4% | $8,357-60.4% | $4,296-22.9% |