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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 | $24,457 | $102,422-76.1% | $147,117-83.4% | $80,959-69.8% |
| Participation rate | 61.3% | 75.9%-14.6pp | 82.2%-20.9pp | 67.7%-6.4pp |
| Annual return | 11.00% | 135.16%-124.2pp | 420.54%-409.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $2,247 | $3,717-39.6% | $4,932-54.4% | $2,757-18.5% |
| Participant deferral / active EE | $3,479 | $6,652-47.7% | $8,065-56.9% | $4,300-19.1% |
| Admin fee / account holder | $1,618 | $7,953-79.7% | $12,993-87.5% | $6,925-76.6% |