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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 | $16,477 | $85,766-80.8% | $136,297-87.9% | $70,124-76.5% |
| Participation rate | 48.1% | 74.2%-26.0pp | 81.9%-33.8pp | 69.5%-21.4pp |
| Annual return | 13.38% | 31.45%-18.1pp | 5156.19%-5142.8pp | 73.14%-59.8pp |
| Employer contribution / active EE | $889 | $2,966-70.0% | $4,696-81.1% | $2,342-62.0% |
| Participant deferral / active EE | $2,298 | $5,051-54.5% | $6,247-63.2% | $3,332-31.0% |
| Admin fee / account holder | $714 | $5,420-86.8% | $9,244-92.3% | $4,645-84.6% |