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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 | $13,103 | $115,917-88.7% | $100,535-87.0% | $158,982-91.8% |
| Participation rate | 60.0% | 81.6%-21.6pp | 79.4%-19.4pp | 82.0%-22.0pp |
| Annual return | 5.53% | 34.80%-29.3pp | 30.90%-25.4pp | 302.99%-297.5pp |
| Employer contribution / active EE | $1,986 | $4,105-51.6% | $3,419-41.9% | $4,763-58.3% |
| Participant deferral / active EE | $2,245 | $6,677-66.4% | $6,271-64.2% | $5,983-62.5% |
| Admin fee / account holder | $1,106 | $11,002-90.0% | $8,085-86.3% | $11,252-90.2% |