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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 | $21,219 | $86,298-75.4% | $111,308-80.9% | $85,847-75.3% |
| Participation rate | 53.8% | 73.3%-19.5pp | 77.3%-23.5pp | 69.3%-15.5pp |
| Annual return | 10.91% | 19.99%-9.1pp | 54.67%-43.8pp | 318.61%-307.7pp |
| Employer contribution / active EE | $901 | $2,044-55.9% | $2,732-67.0% | $2,565-64.9% |
| Participant deferral / active EE | $2,497 | $3,641-31.4% | $4,487-44.4% | $3,952-36.8% |
| Admin fee / account holder | $2,110 | $8,189-74.2% | $7,965-73.5% | $6,261-66.3% |