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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 | $17,111 | $63,342-73.0% | $92,236-81.4% | $70,131-75.6% |
| Participation rate | 55.9% | 68.7%-12.7pp | 76.5%-20.5pp | 69.5%-13.6pp |
| Annual return | 11.96% | 530.15%-518.2pp | 176.29%-164.3pp | 73.14%-61.2pp |
| Employer contribution / active EE | $1,390 | $2,471-43.8% | $3,679-62.2% | $2,342-40.7% |
| Participant deferral / active EE | $2,800 | $2,854-1.9% | $3,897-28.1% | $3,332-16.0% |
| Admin fee / account holder | $1,230 | $3,840-68.0% | $5,194-76.3% | $4,645-73.5% |