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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 | $52,581-68.5% | $130,788-87.3% | $64,340-74.2% |
| Participation rate | 17.0% | 46.5%-29.6pp | 70.1%-53.1pp | 55.2%-38.3pp |
| Annual return | 8.46% | 20.39%-11.9pp | 386.44%-378.0pp | 24.14%-15.7pp |
| Employer contribution / active EE | $367 | $1,031-64.4% | $3,558-89.7% | $1,862-80.3% |
| Participant deferral / active EE | $1,475 | $2,200-33.0% | $4,137-64.3% | $2,980-50.5% |
| Admin fee / account holder | $4,523 | $4,583-1.3% | $6,673-32.2% | $3,703+22.2% |