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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 | $21,003 | $65,034-67.7% | $90,970-76.9% | $79,856-73.7% |
| Participation rate | 58.3% | 61.6%-3.3pp | 69.0%-10.7pp | 69.6%-11.3pp |
| Annual return | 9.11% | 30.45%-21.3pp | 134.60%-125.5pp | 31.71%-22.6pp |
| Employer contribution / active EE | $890 | $1,247-28.6% | $2,122-58.0% | $2,471-64.0% |
| Participant deferral / active EE | $2,055 | $2,512-18.2% | $3,373-39.1% | $3,741-45.1% |
| Admin fee / account holder | $1,535 | $4,536-66.2% | $5,961-74.2% | $5,306-71.1% |