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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 | $21,160 | $102,422-79.3% | $147,117-85.6% | $80,959-73.9% |
| Participation rate | 60.5% | 75.9%-15.3pp | 82.2%-21.7pp | 67.7%-7.1pp |
| Annual return | 10.56% | 135.16%-124.6pp | 420.54%-410.0pp | 35.67%-25.1pp |
| Employer contribution / active EE | $2,360 | $3,717-36.5% | $4,932-52.2% | $2,757-14.4% |
| Participant deferral / active EE | $4,645 | $6,652-30.2% | $8,065-42.4% | $4,300+8.0% |
| Admin fee / account holder | $11,007 | $7,953+38.4% | $12,993-15.3% | $6,925+58.9% |