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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 | $24,896 | $88,360-71.8% | $145,433-82.9% | $67,986-63.4% |
| Participation rate | 23.0% | 65.5%-42.4pp | 82.1%-59.1pp | 57.2%-34.2pp |
| Annual return | 13.10% | 63.15%-50.0pp | 66.58%-53.5pp | 31.67%-18.6pp |
| Employer contribution / active EE | $768 | $3,054-74.8% | $4,554-83.1% | $2,019-61.9% |
| Participant deferral / active EE | $1,568 | $5,932-73.6% | $7,897-80.1% | $3,358-53.3% |
| Admin fee / account holder | $7,637 | $3,313+130.5% | $13,129-41.8% | $3,203+138.4% |