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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 | $25,696 | $80,781-68.2% | $102,437-74.9% | $74,478-65.5% |
| Participation rate | 46.1% | 65.7%-19.6pp | 74.5%-28.4pp | 67.2%-21.1pp |
| Annual return | 11.07% | 27.58%-16.5pp | 24.95%-13.9pp | 1370.56%-1359.5pp |
| Employer contribution / active EE | $800 | $3,160-74.7% | $3,871-79.3% | $2,626-69.5% |
| Participant deferral / active EE | $1,684 | $3,862-56.4% | $5,060-66.7% | $4,350-61.3% |
| Admin fee / account holder | $3,272 | $2,372+37.9% | $8,388-61.0% | $1,946+68.2% |