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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 | $26,829 | $91,559-70.7% | $133,978-80.0% | $79,856-66.4% |
| Participation rate | 55.6% | 73.3%-17.8pp | 79.8%-24.3pp | 69.6%-14.1pp |
| Annual return | 8.50% | 61.85%-53.3pp | 45.10%-36.6pp | 31.71%-23.2pp |
| Employer contribution / active EE | $917 | $2,384-61.5% | $3,919-76.6% | $2,471-62.9% |
| Participant deferral / active EE | $1,963 | $3,734-47.4% | $5,047-61.1% | $3,741-47.5% |
| Admin fee / account holder | $2,806 | $6,321-55.6% | $8,930-68.6% | $5,306-47.1% |