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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 | $17,182 | $86,288-80.1% | $111,306-84.6% | $85,851-80.0% |
| Participation rate | 58.1% | 73.3%-15.3pp | 77.3%-19.3pp | 69.3%-11.3pp |
| Annual return | 7.83% | 19.99%-12.2pp | 54.67%-46.8pp | 318.63%-310.8pp |
| Employer contribution / active EE | $563 | $2,044-72.4% | $2,732-79.4% | $2,565-78.0% |
| Participant deferral / active EE | $1,883 | $3,641-48.3% | $4,488-58.1% | $3,952-52.4% |
| Admin fee / account holder | $2,971 | $8,189-63.7% | $7,966-62.7% | $6,261-52.5% |