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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 | $28,391 | $198,462-85.7% | $170,439-83.3% | $147,585-80.8% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 6.93% | 257.30%-250.4pp | 205.94%-199.0pp | 578.58%-571.7pp |
| Employer contribution / active EE | $1,562 | $6,184-74.7% | $5,433-71.2% | $4,876-68.0% |
| Participant deferral / active EE | $3,246 | $5,629-42.3% | $4,939-34.3% | $5,439-40.3% |
| Admin fee / account holder | $942 | $16,852-94.4% | $13,881-93.2% | $10,886-91.3% |