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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 | $16,577 | $58,408-71.6% | $180,320-90.8% | $69,733-76.2% |
| Participation rate | 17.0% | 54.2%-37.2pp | 71.5%-54.6pp | 62.5%-45.5pp |
| Annual return | 8.46% | 15.02%-6.6pp | 778.54%-770.1pp | 15.22%-6.8pp |
| Employer contribution / active EE | $367 | $1,159-68.3% | $4,108-91.1% | $2,250-83.7% |
| Participant deferral / active EE | $1,475 | $2,723-45.8% | $4,304-65.7% | $3,054-51.7% |
| Admin fee / account holder | $4,523 | $4,205+7.6% | $10,000-54.8% | $3,102+45.8% |