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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 | $8,880 | $89,367-90.1% | $141,191-93.7% | $72,975-87.8% |
| Participation rate | 55.3% | 75.1%-19.9pp | 82.5%-27.2pp | 69.5%-14.2pp |
| Annual return | 15.16% | 111.87%-96.7pp | 71.41%-56.2pp | 81.01%-65.8pp |
| Employer contribution / active EE | $1,160 | $3,115-62.8% | $4,736-75.5% | $2,440-52.5% |
| Participant deferral / active EE | $2,416 | $5,419-55.4% | $6,710-64.0% | $3,608-33.0% |
| Admin fee / account holder | $9,517 | $5,957+59.8% | $10,264-7.3% | $5,124+85.7% |