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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 | $29,435 | $125,797-76.6% | $170,043-82.7% | $75,173-60.8% |
| Participation rate | 57.7% | 83.6%-25.9pp | 87.0%-29.3pp | 67.2%-9.5pp |
| Annual return | 11.77% | 27.20%-15.4pp | 53.40%-41.6pp | 160.72%-148.9pp |
| Employer contribution / active EE | $2,134 | $4,616-53.8% | $6,790-68.6% | $2,671-20.1% |
| Participant deferral / active EE | $3,480 | $6,838-49.1% | $10,410-66.6% | $4,126-15.7% |
| Admin fee / account holder | $6,674 | $8,177-18.4% | $12,824-48.0% | $5,651+18.1% |