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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 | $54,558-78.1% | $76,002-84.3% | $74,546-84.0% |
| Participation rate | 25.2% | 60.3%-35.1pp | 69.1%-43.9pp | 67.2%-42.0pp |
| Annual return | 9.88% | 31.83%-22.0pp | 360.07%-350.2pp | 1366.03%-1356.2pp |
| Employer contribution / active EE | $408 | $1,778-77.0% | $2,688-84.8% | $2,624-84.4% |
| Participant deferral / active EE | $1,029 | $3,065-66.4% | $4,257-75.8% | $4,347-76.3% |
| Admin fee / account holder | $4,681 | $2,232+109.7% | $6,414-27.0% | $1,944+140.9% |