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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 | $18,776 | $86,940-78.4% | $102,434-81.7% | $80,935-76.8% |
| Participation rate | 62.1% | 72.4%-10.3pp | 76.5%-14.4pp | 67.7%-5.6pp |
| Annual return | 8.72% | 18.89%-10.2pp | 29.46%-20.7pp | 35.66%-26.9pp |
| Employer contribution / active EE | $1,256 | $2,370-47.0% | $3,023-58.5% | $2,757-54.5% |
| Participant deferral / active EE | $2,617 | $4,121-36.5% | $5,055-48.2% | $4,299-39.1% |
| Admin fee / account holder | $498 | $8,047-93.8% | $9,462-94.7% | $6,924-92.8% |