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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 | $28,189 | $101,795-72.3% | $165,100-82.9% | $80,959-65.2% |
| Participation rate | 58.3% | 71.8%-13.5pp | 78.6%-20.3pp | 67.7%-9.3pp |
| Annual return | 10.52% | 16.73%-6.2pp | 70.21%-59.7pp | 35.67%-25.2pp |
| Employer contribution / active EE | $1,398 | $2,954-52.7% | $4,348-67.8% | $2,757-49.3% |
| Participant deferral / active EE | $3,036 | $4,476-32.2% | $6,035-49.7% | $4,300-29.4% |
| Admin fee / account holder | $528 | $8,221-93.6% | $12,696-95.8% | $6,925-92.4% |