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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 | $54,558-82.6% | $76,002-87.5% | $74,546-87.3% |
| Participation rate | 29.9% | 60.3%-30.4pp | 69.1%-39.2pp | 67.2%-37.3pp |
| Annual return | 6.82% | 31.83%-25.0pp | 360.07%-353.2pp | 1366.03%-1359.2pp |
| Employer contribution / active EE | $732 | $1,778-58.8% | $2,688-72.8% | $2,624-72.1% |
| Participant deferral / active EE | $2,184 | $3,065-28.8% | $4,257-48.7% | $4,347-49.8% |
| Admin fee / account holder | $6,231 | $2,232+179.2% | $6,414-2.8% | $1,944+220.6% |