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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 | $20,732 | $165,381-87.5% | $149,730-86.2% | $158,966-87.0% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 7.82% | 348.29%-340.5pp | 276.70%-268.9pp | 302.95%-295.1pp |
| Employer contribution / active EE | $1,711 | $5,104-66.5% | $4,645-63.2% | $4,762-64.1% |
| Participant deferral / active EE | $3,988 | $7,182-44.5% | $6,843-41.7% | $5,983-33.3% |
| Admin fee / account holder | $626 | $10,809-94.2% | $9,310-93.3% | $11,250-94.4% |