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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 | $15,273 | $183,516-91.7% | $155,534-90.2% | $145,884-89.5% |
| Participation rate | 58.3% | 82.7%-24.4pp | 78.2%-19.9pp | 80.3%-22.0pp |
| Annual return | 7.85% | 61.43%-53.6pp | 64.92%-57.1pp | 551.85%-544.0pp |
| Employer contribution / active EE | $1,445 | $5,315-72.8% | $4,675-69.1% | $4,662-69.0% |
| Participant deferral / active EE | $5,395 | $6,467-16.6% | $5,630-4.2% | $6,690-19.4% |
| Admin fee / account holder | $9,574 | $19,293-50.4% | $15,900-39.8% | $13,392-28.5% |