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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 | $18,547 | $102,422-81.9% | $147,117-87.4% | $80,959-77.1% |
| Participation rate | 54.2% | 75.9%-21.7pp | 82.2%-28.0pp | 67.7%-13.5pp |
| Annual return | 11.00% | 135.16%-124.2pp | 420.54%-409.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,478 | $3,717-60.2% | $4,932-70.0% | $2,757-46.4% |
| Participant deferral / active EE | $3,934 | $6,652-40.9% | $8,065-51.2% | $4,300-8.5% |
| Admin fee / account holder | $2,792 | $7,953-64.9% | $12,993-78.5% | $6,925-59.7% |