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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 | $13,688 | $102,422-86.6% | $147,117-90.7% | $80,959-83.1% |
| Participation rate | 53.1% | 75.9%-22.7pp | 82.2%-29.1pp | 67.7%-14.5pp |
| Annual return | 8.24% | 135.16%-126.9pp | 420.54%-412.3pp | 35.67%-27.4pp |
| Employer contribution / active EE | $1,487 | $3,717-60.0% | $4,932-69.8% | $2,757-46.1% |
| Participant deferral / active EE | $3,341 | $6,652-49.8% | $8,065-58.6% | $4,300-22.3% |
| Admin fee / account holder | $4,134 | $7,953-48.0% | $12,993-68.2% | $6,925-40.3% |