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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 | $23,973 | $199,109-88.0% | $173,730-86.2% | $154,746-84.5% |
| Participation rate | 66.7% | 82.8%-16.1pp | 79.6%-12.9pp | 80.7%-14.0pp |
| Annual return | 8.46% | 20.02%-11.6pp | 19.96%-11.5pp | 172.34%-163.9pp |
| Employer contribution / active EE | $2,304 | $5,311-56.6% | $4,577-49.7% | $4,379-47.4% |
| Participant deferral / active EE | $8,189 | $7,113+15.1% | $6,326+29.4% | $6,730+21.7% |
| Admin fee / account holder | $4,603 | $20,916-78.0% | $17,523-73.7% | $14,365-68.0% |