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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 | $15,477 | $165,381-90.6% | $149,730-89.7% | $158,966-90.3% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 4.01% | 348.29%-344.3pp | 276.70%-272.7pp | 302.95%-298.9pp |
| Employer contribution / active EE | $1,177 | $5,104-76.9% | $4,645-74.7% | $4,762-75.3% |
| Participant deferral / active EE | $2,786 | $7,182-61.2% | $6,843-59.3% | $5,983-53.4% |
| Admin fee / account holder | $1,945 | $10,809-82.0% | $9,310-79.1% | $11,250-82.7% |