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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 | $15,753 | $70,430-77.6% | $96,572-83.7% | $85,851-81.7% |
| Participation rate | 50.0% | 61.8%-11.8pp | 69.8%-19.8pp | 69.3%-19.3pp |
| Annual return | 9.70% | 18.58%-8.9pp | 37.79%-28.1pp | 318.63%-308.9pp |
| Employer contribution / active EE | $427 | $1,413-69.8% | $2,357-81.9% | $2,565-83.3% |
| Participant deferral / active EE | $1,441 | $2,894-50.2% | $3,850-62.6% | $3,952-63.5% |
| Admin fee / account holder | $3,121 | $4,996-37.5% | $6,183-49.5% | $6,261-50.2% |