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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 | $14,037 | $210,991-93.3% | $153,741-90.9% | $145,897-90.4% |
| Participation rate | 66.7% | 82.1%-15.5pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 5.27% | 13.46%-8.2pp | 15.71%-10.4pp | 552.29%-547.0pp |
| Employer contribution / active EE | $2,281 | $6,057-62.3% | $5,042-54.8% | $4,663-51.1% |
| Participant deferral / active EE | $3,308 | $7,979-58.5% | $6,757-51.0% | $6,689-50.6% |
| Admin fee / account holder | $1,877 | $19,490-90.4% | $12,749-85.3% | $13,390-86.0% |