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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 | $27,581 | $88,186-68.7% | $165,071-83.3% | $74,459-63.0% |
| Participation rate | 57.8% | 73.1%-15.4pp | 78.6%-20.8pp | 67.2%-9.4pp |
| Annual return | 11.05% | 17.13%-6.1pp | 70.17%-59.1pp | 1369.70%-1358.7pp |
| Employer contribution / active EE | $1,380 | $2,600-46.9% | $4,347-68.3% | $2,626-47.5% |
| Participant deferral / active EE | $2,257 | $4,505-49.9% | $6,035-62.6% | $4,350-48.1% |
| Admin fee / account holder | $4,878 | $2,234+118.4% | $12,695-61.6% | $1,945+150.8% |