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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 | $26,869 | $101,653-73.6% | $147,080-81.7% | $74,459-63.9% |
| Participation rate | 58.3% | 75.6%-17.3pp | 82.2%-23.9pp | 67.2%-9.0pp |
| Annual return | 10.45% | 8754.98%-8744.5pp | 420.17%-409.7pp | 1369.70%-1359.2pp |
| Employer contribution / active EE | $1,450 | $3,813-62.0% | $4,933-70.6% | $2,626-44.8% |
| Participant deferral / active EE | $3,210 | $7,304-56.1% | $8,066-60.2% | $4,350-26.2% |
| Admin fee / account holder | $2,271 | $1,752+29.6% | $12,989-82.5% | $1,945+16.8% |