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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 | $9,490 | $54,690-82.6% | $76,030-87.5% | $74,478-87.3% |
| Participation rate | 29.9% | 60.3%-30.4pp | 69.1%-39.2pp | 67.2%-37.3pp |
| Annual return | 6.82% | 31.92%-25.1pp | 361.54%-354.7pp | 1370.56%-1363.7pp |
| Employer contribution / active EE | $732 | $1,781-58.9% | $2,688-72.8% | $2,626-72.1% |
| Participant deferral / active EE | $2,184 | $3,070-28.9% | $4,257-48.7% | $4,350-49.8% |
| Admin fee / account holder | $6,231 | $2,240+178.2% | $6,421-2.9% | $1,946+220.3% |