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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 | $25,855 | $101,795-74.6% | $165,100-84.3% | $80,959-68.1% |
| Participation rate | 37.2% | 71.8%-34.6pp | 78.6%-41.4pp | 67.7%-30.5pp |
| Annual return | 7.16% | 16.73%-9.6pp | 70.21%-63.0pp | 35.67%-28.5pp |
| Employer contribution / active EE | $1,077 | $2,954-63.6% | $4,348-75.2% | $2,757-61.0% |
| Participant deferral / active EE | $2,968 | $4,476-33.7% | $6,035-50.8% | $4,300-31.0% |
| Admin fee / account holder | $3,832 | $8,221-53.4% | $12,696-69.8% | $6,925-44.7% |