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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 | $13,703 | $211,239-93.5% | $178,528-92.3% | $145,877-90.6% |
| Participation rate | 52.4% | 80.8%-28.4pp | 77.1%-24.7pp | 80.3%-27.9pp |
| Annual return | 5.63% | 30.22%-24.6pp | 27.11%-21.5pp | 551.28%-545.7pp |
| Employer contribution / active EE | $1,475 | $4,570-67.7% | $3,950-62.7% | $4,663-68.4% |
| Participant deferral / active EE | $3,192 | $6,963-54.2% | $6,278-49.2% | $6,691-52.3% |
| Admin fee / account holder | $883 | $12,095-92.7% | $10,419-91.5% | $13,402-93.4% |