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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 | $15,198 | $67,411-77.5% | $91,004-83.3% | $70,126-78.3% |
| Participation rate | 59.1% | 71.4%-12.3pp | 75.6%-16.5pp | 69.5%-10.4pp |
| Annual return | 9.93% | -40.16%+50.1pp | 4.60%+5.3pp | 73.15%-63.2pp |
| Employer contribution / active EE | $952 | $1,786-46.7% | $2,456-61.2% | $2,343-59.3% |
| Participant deferral / active EE | $1,241 | $2,823-56.0% | $3,548-65.0% | $3,332-62.8% |
| Admin fee / account holder | $504 | $4,236-88.1% | $5,417-90.7% | $4,645-89.1% |