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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 | $17,632 | $135,956-87.0% | $123,894-85.8% | $273,972-93.6% |
| Participation rate | 45.0% | 84.1%-39.1pp | 81.4%-36.4pp | 83.0%-38.0pp |
| Annual return | 1.31% | 56.63%-55.3pp | 47.52%-46.2pp | 41.46%-40.1pp |
| Employer contribution / active EE | $2,130 | $5,170-58.8% | $4,617-53.9% | $4,869-56.3% |
| Participant deferral / active EE | $2,651 | $6,343-58.2% | $5,984-55.7% | $5,287-49.9% |
| Admin fee / account holder | $2,778 | $9,817-71.7% | $8,357-66.8% | $10,133-72.6% |