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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 | $17,564 | $102,429-82.9% | $147,096-88.1% | $80,925-78.3% |
| Participation rate | 63.4% | 75.9%-12.4pp | 82.2%-18.8pp | 67.7%-4.2pp |
| Annual return | 10.88% | 135.02%-124.1pp | 419.75%-408.9pp | 35.65%-24.8pp |
| Employer contribution / active EE | $1,689 | $3,716-54.6% | $4,936-65.8% | $2,756-38.7% |
| Participant deferral / active EE | $2,932 | $6,649-55.9% | $8,071-63.7% | $4,299-31.8% |
| Admin fee / account holder | $383 | $7,957-95.2% | $13,005-97.1% | $6,940-94.5% |