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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 | $25,598 | $80,763-68.3% | $102,412-75.0% | $74,459-65.6% |
| Participation rate | 39.6% | 65.7%-26.0pp | 74.5%-34.9pp | 67.2%-27.6pp |
| Annual return | 9.95% | 27.57%-17.6pp | 24.94%-15.0pp | 1369.70%-1359.7pp |
| Employer contribution / active EE | $1,336 | $3,160-57.7% | $3,870-65.5% | $2,626-49.1% |
| Participant deferral / active EE | $2,852 | $3,862-26.1% | $5,060-43.6% | $4,350-34.4% |
| Admin fee / account holder | $9,995 | $2,371+321.5% | $8,388+19.2% | $1,945+414.0% |