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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 | $17,906 | $63,346-71.7% | $92,240-80.6% | $70,126-74.5% |
| Participation rate | 62.8% | 68.7%-5.9pp | 76.5%-13.7pp | 69.5%-6.7pp |
| Annual return | 11.29% | 530.19%-518.9pp | 176.29%-165.0pp | 73.15%-61.9pp |
| Employer contribution / active EE | $1,493 | $2,471-39.6% | $3,680-59.4% | $2,343-36.2% |
| Participant deferral / active EE | $3,504 | $2,854+22.8% | $3,897-10.1% | $3,332+5.2% |
| Admin fee / account holder | $2,257 | $3,841-41.2% | $5,194-56.5% | $4,645-51.4% |