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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 | $20,996 | $88,672-76.3% | $105,223-80.0% | $82,448-74.5% |
| Participation rate | 62.2% | 67.9%-5.8pp | 75.0%-12.9pp | 68.1%-5.9pp |
| Annual return | 12.59% | 30.86%-18.3pp | 180.65%-168.1pp | 41.64%-29.1pp |
| Employer contribution / active EE | $1,221 | $3,048-59.9% | $3,689-66.9% | $2,551-52.1% |
| Participant deferral / active EE | $1,814 | $4,036-55.1% | $5,072-64.2% | $4,139-56.2% |
| Admin fee / account holder | $6,522 | $7,146-8.7% | $8,859-26.4% | $7,234-9.8% |