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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 | $17,062 | $89,364-80.9% | $141,177-87.9% | $72,983-76.6% |
| Participation rate | 62.2% | 75.1%-13.0pp | 82.5%-20.3pp | 69.5%-7.3pp |
| Annual return | 14.35% | 111.86%-97.5pp | 71.40%-57.0pp | 81.01%-66.7pp |
| Employer contribution / active EE | $1,055 | $3,115-66.1% | $4,736-77.7% | $2,440-56.7% |
| Participant deferral / active EE | $3,721 | $5,419-31.3% | $6,710-44.5% | $3,608+3.2% |
| Admin fee / account holder | $3,836 | $5,959-35.6% | $10,263-62.6% | $5,124-25.1% |