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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 | $15,862 | $102,385-84.5% | $147,080-89.2% | $80,935-80.4% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 11.09% | 135.09%-124.0pp | 420.17%-409.1pp | 35.66%-24.6pp |
| Employer contribution / active EE | $1,586 | $3,717-57.3% | $4,933-67.9% | $2,757-42.5% |
| Participant deferral / active EE | $2,695 | $6,651-59.5% | $8,066-66.6% | $4,299-37.3% |
| Admin fee / account holder | $1,296 | $7,951-83.7% | $12,989-90.0% | $6,924-81.3% |