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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 | $12,771 | $99,875-87.2% | $146,866-91.3% | $86,983-85.3% |
| Participation rate | 46.9% | 75.8%-28.9pp | 82.5%-35.6pp | 69.5%-22.7pp |
| Annual return | 12.63% | 28.10%-15.5pp | 102.85%-90.2pp | 25.83%-13.2pp |
| Employer contribution / active EE | $968 | $3,224-70.0% | $4,425-78.1% | $2,584-62.5% |
| Participant deferral / active EE | $2,314 | $6,322-63.4% | $7,759-70.2% | $4,194-44.8% |
| Admin fee / account holder | $816 | $7,838-89.6% | $13,620-94.0% | $7,856-89.6% |