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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 | $13,160 | $91,167-85.6% | $178,498-92.6% | $79,858-83.5% |
| Participation rate | 50.0% | 69.2%-19.2pp | 81.9%-31.9pp | 69.6%-19.6pp |
| Annual return | 9.83% | 24.19%-14.4pp | 151.09%-141.3pp | 31.72%-21.9pp |
| Employer contribution / active EE | $566 | $3,255-82.6% | $5,011-88.7% | $2,471-77.1% |
| Participant deferral / active EE | $1,159 | $3,236-64.2% | $5,202-77.7% | $3,740-69.0% |
| Admin fee / account holder | $2,685 | $6,747-60.2% | $13,985-80.8% | $5,306-49.4% |