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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 | $11,331 | $84,236-86.5% | $170,435-93.4% | $70,126-83.8% |
| Participation rate | 24.5% | 70.8%-46.3pp | 83.6%-59.1pp | 69.5%-45.1pp |
| Annual return | 6.27% | 23.06%-16.8pp | 205.94%-199.7pp | 73.15%-66.9pp |
| Employer contribution / active EE | $650 | $3,387-80.8% | $5,432-88.0% | $2,343-72.3% |
| Participant deferral / active EE | $1,611 | $3,086-47.8% | $4,939-67.4% | $3,332-51.6% |
| Admin fee / account holder | $1,033 | $5,698-81.9% | $13,881-92.6% | $4,645-77.8% |