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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 | $15,110 | $51,708-70.8% | $106,619-85.8% | $62,881-76.0% |
| Participation rate | 47.9% | 66.9%-19.0pp | 78.0%-30.1pp | 69.3%-21.4pp |
| Annual return | 2.37% | 4.69%-2.3pp | 9.42%-7.1pp | 20.14%-17.8pp |
| Employer contribution / active EE | $591 | $1,764-66.5% | $3,947-85.0% | $2,281-74.1% |
| Participant deferral / active EE | $941 | $2,315-59.4% | $3,930-76.1% | $3,203-70.6% |
| Admin fee / account holder | $441 | $3,349-86.8% | $6,418-93.1% | $4,296-89.7% |