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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 | $12,972 | $148,623-91.3% | $135,974-90.5% | $139,466-90.7% |
| Participation rate | 54.2% | 83.9%-29.7pp | 81.9%-27.8pp | 80.3%-26.2pp |
| Annual return | 1.68% | 79.30%-77.6pp | 68.30%-66.6pp | 373.66%-372.0pp |
| Employer contribution / active EE | $1,263 | $5,246-75.9% | $4,859-74.0% | $4,754-73.4% |
| Participant deferral / active EE | $3,896 | $8,103-51.9% | $7,760-49.8% | $6,712-42.0% |
| Admin fee / account holder | $1,920 | $12,406-84.5% | $10,767-82.2% | $11,409-83.2% |