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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 | $15,754 | $78,707-80.0% | $117,861-86.6% | $70,126-77.5% |
| Participation rate | 33.3% | 73.2%-39.9pp | 79.7%-46.3pp | 69.5%-36.2pp |
| Annual return | 5.43% | 23.30%-17.9pp | 335.11%-329.7pp | 73.15%-67.7pp |
| Employer contribution / active EE | $1,025 | $2,223-53.9% | $3,786-72.9% | $2,343-56.2% |
| Participant deferral / active EE | $1,555 | $3,297-52.8% | $4,482-65.3% | $3,332-53.3% |
| Admin fee / account holder | $6,791 | $5,066+34.1% | $8,021-15.3% | $4,645+46.2% |