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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 | $28,304 | $83,369-66.0% | $105,223-73.1% | $67,986-58.4% |
| Participation rate | 39.1% | 56.3%-17.2pp | 75.0%-36.0pp | 57.2%-18.2pp |
| Annual return | 12.66% | 24.64%-12.0pp | 180.65%-168.0pp | 31.67%-19.0pp |
| Employer contribution / active EE | $1,263 | $2,541-50.3% | $3,689-65.8% | $2,019-37.4% |
| Participant deferral / active EE | $2,190 | $3,295-33.5% | $5,072-56.8% | $3,358-34.8% |
| Admin fee / account holder | $4,678 | $4,073+14.9% | $8,859-47.2% | $3,203+46.0% |