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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 | $80,731-68.2% | $103,378-75.1% | $74,400-65.5% |
| Participation rate | 46.1% | 65.7%-19.6pp | 74.5%-28.4pp | 67.2%-21.1pp |
| Annual return | 11.07% | 27.56%-16.5pp | 24.91%-13.8pp | 1367.51%-1356.4pp |
| Employer contribution / active EE | $800 | $3,159-74.7% | $3,870-79.3% | $2,624-69.5% |
| Participant deferral / active EE | $1,684 | $3,862-56.4% | $5,058-66.7% | $4,348-61.3% |
| Admin fee / account holder | $3,272 | $2,369+38.1% | $8,401-61.1% | $1,944+68.3% |