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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 | $27,025 | $81,208-66.7% | $98,920-72.7% | $79,852-66.2% |
| Participation rate | 54.8% | 72.5%-17.7pp | 76.0%-21.3pp | 69.6%-14.9pp |
| Annual return | 9.81% | 60.99%-51.2pp | 196.47%-186.7pp | 31.72%-21.9pp |
| Employer contribution / active EE | $1,089 | $1,960-44.4% | $2,689-59.5% | $2,471-55.9% |
| Participant deferral / active EE | $1,740 | $3,265-46.7% | $4,245-59.0% | $3,740-53.5% |
| Admin fee / account holder | $1,764 | $6,013-70.7% | $6,643-73.4% | $5,306-66.8% |