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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 | $9,746 | $70,684-86.2% | $169,390-94.2% | $75,173-87.0% |
| Participation rate | 63.3% | 64.8%-1.5pp | 77.2%-13.9pp | 67.2%-3.9pp |
| Annual return | 11.92% | 36.38%-24.5pp | 406.07%-394.2pp | 160.72%-148.8pp |
| Employer contribution / active EE | $1,386 | $2,211-37.3% | $4,013-65.5% | $2,671-48.1% |
| Participant deferral / active EE | $1,386 | $4,310-67.8% | $6,222-77.7% | $4,126-66.4% |
| Admin fee / account holder | $1,809 | $5,404-66.5% | $9,015-79.9% | $5,651-68.0% |