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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 | $22,151 | $70,418-68.5% | $96,570-77.1% | $85,847-74.2% |
| Participation rate | 56.0% | 61.8%-5.8pp | 69.8%-13.8pp | 69.3%-13.3pp |
| Annual return | 10.40% | 18.59%-8.2pp | 37.79%-27.4pp | 318.61%-308.2pp |
| Employer contribution / active EE | $1,314 | $1,413-7.0% | $2,357-44.2% | $2,565-48.8% |
| Participant deferral / active EE | $2,106 | $2,894-27.2% | $3,849-45.3% | $3,952-46.7% |
| Admin fee / account holder | $356 | $4,995-92.9% | $6,182-94.2% | $6,261-94.3% |