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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 | $20,227 | $104,482-80.6% | $159,455-87.3% | $79,393-74.5% |
| Participation rate | 56.4% | 76.6%-20.3pp | 82.8%-26.5pp | 70.7%-14.3pp |
| Annual return | 11.85% | 67.96%-56.1pp | 263.63%-251.8pp | 116.87%-105.0pp |
| Employer contribution / active EE | $1,141 | $3,416-66.6% | $4,830-76.4% | $2,428-53.0% |
| Participant deferral / active EE | $3,532 | $6,467-45.4% | $7,353-52.0% | $4,046-12.7% |
| Admin fee / account holder | $1,299 | $711+82.6% | $10,800-88.0% | $627+107.3% |