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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 | $51,736-68.0% | $120,225-86.2% | $67,986-75.6% |
| Participation rate | 17.0% | 46.1%-29.1pp | 69.6%-52.6pp | 57.2%-40.2pp |
| Annual return | 8.46% | 31.98%-23.5pp | 439.23%-430.8pp | 31.67%-23.2pp |
| Employer contribution / active EE | $367 | $1,071-65.7% | $3,475-89.4% | $2,019-81.8% |
| Participant deferral / active EE | $1,475 | $2,206-33.1% | $3,999-63.1% | $3,358-56.1% |
| Admin fee / account holder | $4,523 | $4,159+8.7% | $5,696-20.6% | $3,203+41.2% |