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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 | $24,126 | $102,422-76.4% | $147,117-83.6% | $80,959-70.2% |
| Participation rate | 40.9% | 75.9%-35.0pp | 82.2%-41.3pp | 67.7%-26.8pp |
| Annual return | 3.48% | 135.16%-131.7pp | 420.54%-417.1pp | 35.67%-32.2pp |
| Employer contribution / active EE | $877 | $3,717-76.4% | $4,932-82.2% | $2,757-68.2% |
| Participant deferral / active EE | $3,278 | $6,652-50.7% | $8,065-59.3% | $4,300-23.8% |
| Admin fee / account holder | $1,799 | $7,953-77.4% | $12,993-86.2% | $6,925-74.0% |