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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 | $16,331 | $98,766-83.5% | $149,730-89.1% | $79,852-79.5% |
| Participation rate | 57.4% | 75.8%-18.4pp | 82.5%-25.1pp | 69.6%-12.2pp |
| Annual return | 11.62% | 27.43%-15.8pp | 276.70%-265.1pp | 31.72%-20.1pp |
| Employer contribution / active EE | $5,158 | $3,217+60.3% | $4,645+11.0% | $2,471+108.7% |
| Participant deferral / active EE | $5,247 | $5,681-7.6% | $6,843-23.3% | $3,740+40.3% |
| Admin fee / account holder | $2,517 | $6,052-58.4% | $9,310-73.0% | $5,306-52.6% |