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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 | $12,029 | $77,638-84.5% | $156,551-92.3% | $62,881-80.9% |
| Participation rate | 66.7% | 71.2%-4.5pp | 84.0%-17.3pp | 69.3%-2.6pp |
| Annual return | 4.11% | 50.33%-46.2pp | 32.23%-28.1pp | 20.14%-16.0pp |
| Employer contribution / active EE | $1,483 | $3,444-56.9% | $5,501-73.0% | $2,281-35.0% |
| Participant deferral / active EE | $1,527 | $3,046-49.9% | $4,871-68.7% | $3,203-52.3% |
| Admin fee / account holder | $690 | $5,561-87.6% | $13,028-94.7% | $4,296-83.9% |