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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 | $21,675 | $89,364-75.7% | $141,177-84.6% | $72,983-70.3% |
| Participation rate | 59.5% | 75.1%-15.6pp | 82.5%-22.9pp | 69.5%-10.0pp |
| Annual return | 18.75% | 111.86%-93.1pp | 71.40%-52.6pp | 81.01%-62.3pp |
| Employer contribution / active EE | $2,590 | $3,115-16.8% | $4,736-45.3% | $2,440+6.2% |
| Participant deferral / active EE | $3,566 | $5,419-34.2% | $6,710-46.9% | $3,608-1.2% |
| Admin fee / account holder | $1,211 | $5,959-79.7% | $10,263-88.2% | $5,124-76.4% |