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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 | $18,375 | $86,298-78.7% | $111,308-83.5% | $85,847-78.6% |
| Participation rate | 67.4% | 73.3%-5.9pp | 77.3%-9.9pp | 69.3%-1.9pp |
| Annual return | 9.45% | 19.99%-10.5pp | 54.67%-45.2pp | 318.61%-309.2pp |
| Employer contribution / active EE | $1,047 | $2,044-48.8% | $2,732-61.7% | $2,565-59.2% |
| Participant deferral / active EE | $1,740 | $3,641-52.2% | $4,487-61.2% | $3,952-56.0% |
| Admin fee / account holder | $4,425 | $8,189-46.0% | $7,965-44.4% | $6,261-29.3% |