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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 | $11,936 | $54,674-78.2% | $76,089-84.3% | $74,429-84.0% |
| Participation rate | 25.2% | 60.3%-35.1pp | 69.1%-43.9pp | 67.2%-42.0pp |
| Annual return | 9.88% | 31.89%-22.0pp | 360.94%-351.1pp | 1368.38%-1358.5pp |
| Employer contribution / active EE | $408 | $1,781-77.1% | $2,690-84.8% | $2,625-84.4% |
| Participant deferral / active EE | $1,029 | $3,071-66.5% | $4,259-75.8% | $4,348-76.3% |
| Admin fee / account holder | $4,681 | $2,238+109.2% | $6,418-27.1% | $1,944+140.8% |