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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 | $15,582 | $98,766-84.2% | $149,730-89.6% | $79,852-80.5% |
| Participation rate | 66.7% | 75.8%-9.1pp | 82.5%-15.8pp | 69.6%-3.0pp |
| Annual return | 9.27% | 27.43%-18.2pp | 276.70%-267.4pp | 31.72%-22.5pp |
| Employer contribution / active EE | $2,033 | $3,217-36.8% | $4,645-56.2% | $2,471-17.7% |
| Participant deferral / active EE | $7,369 | $5,681+29.7% | $6,843+7.7% | $3,740+97.0% |
| Admin fee / account holder | $7,896 | $6,052+30.5% | $9,310-15.2% | $5,306+48.8% |