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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 | $22,115 | $135,956-83.7% | $123,894-82.1% | $273,972-91.9% |
| Participation rate | 66.7% | 84.1%-17.4pp | 81.4%-14.7pp | 83.0%-16.3pp |
| Annual return | 1.21% | 56.63%-55.4pp | 47.52%-46.3pp | 41.46%-40.2pp |
| Employer contribution / active EE | $1,565 | $5,170-69.7% | $4,617-66.1% | $4,869-67.9% |
| Participant deferral / active EE | $3,218 | $6,343-49.3% | $5,984-46.2% | $5,287-39.1% |
| Admin fee / account holder | $2,118 | $9,817-78.4% | $8,357-74.7% | $10,133-79.1% |