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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 | $21,124 | $124,346-83.0% | $111,308-81.0% | $167,536-87.4% |
| Participation rate | 66.7% | 79.6%-13.0pp | 77.3%-10.7pp | 82.1%-15.4pp |
| Annual return | 6.86% | 37.45%-30.6pp | 54.67%-47.8pp | 478.82%-472.0pp |
| Employer contribution / active EE | $956 | $3,437-72.2% | $2,732-65.0% | $4,839-80.2% |
| Participant deferral / active EE | $2,519 | $5,182-51.4% | $4,487-43.9% | $6,342-60.3% |
| Admin fee / account holder | $809 | $10,621-92.4% | $7,965-89.8% | $12,315-93.4% |