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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 | $13,699 | $115,814-88.2% | $101,275-86.5% | $158,982-91.4% |
| Participation rate | 50.0% | 79.4%-29.4pp | 75.8%-25.8pp | 82.0%-32.0pp |
| Annual return | 6.29% | 56.16%-49.9pp | 46.48%-40.2pp | 302.99%-296.7pp |
| Employer contribution / active EE | $1,258 | $4,176-69.9% | $3,660-65.6% | $4,763-73.6% |
| Participant deferral / active EE | $2,894 | $4,958-41.6% | $4,371-33.8% | $5,983-51.6% |
| Admin fee / account holder | $2,682 | $7,249-63.0% | $5,948-54.9% | $11,252-76.2% |