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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 | $29,974 | $79,223-62.2% | $102,460-70.7% | $74,478-59.8% |
| Participation rate | 64.4% | 74.8%-10.3pp | 76.5%-12.1pp | 67.2%-2.8pp |
| Annual return | 8.72% | 54.98%-46.3pp | 29.47%-20.7pp | 1370.56%-1361.8pp |
| Employer contribution / active EE | $988 | $2,363-58.2% | $3,025-67.3% | $2,626-62.4% |
| Participant deferral / active EE | $2,826 | $4,417-36.0% | $5,056-44.1% | $4,350-35.0% |
| Admin fee / account holder | $3,137 | $2,003+56.6% | $9,460-66.8% | $1,946+61.2% |