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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 | $16,825 | $93,345-82.0% | $119,126-85.9% | $87,485-80.8% |
| Participation rate | 59.1% | 68.7%-9.6pp | 75.8%-16.7pp | 68.9%-9.8pp |
| Annual return | 11.76% | 19.08%-7.3pp | 282.11%-270.3pp | 26.06%-14.3pp |
| Employer contribution / active EE | $1,313 | $3,172-58.6% | $4,034-67.5% | $2,596-49.4% |
| Participant deferral / active EE | $1,862 | $4,099-54.6% | $5,318-65.0% | $4,274-56.4% |
| Admin fee / account holder | $1,748 | $8,039-78.3% | $10,693-83.7% | $7,775-77.5% |