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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 | $23,431 | $101,653-77.0% | $147,080-84.1% | $74,459-68.5% |
| Participation rate | 52.2% | 75.6%-23.4pp | 82.2%-30.0pp | 67.2%-15.0pp |
| Annual return | 12.28% | 8754.98%-8742.7pp | 420.17%-407.9pp | 1369.70%-1357.4pp |
| Employer contribution / active EE | $1,092 | $3,813-71.4% | $4,933-77.9% | $2,626-58.4% |
| Participant deferral / active EE | $3,132 | $7,304-57.1% | $8,066-61.2% | $4,350-28.0% |
| Admin fee / account holder | $1,637 | $1,752-6.5% | $12,989-87.4% | $1,945-15.8% |