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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 | $15,855 | $232,540-93.2% | $185,117-91.4% | $147,586-89.3% |
| Participation rate | 58.8% | 82.4%-23.5pp | 77.3%-18.4pp | 82.8%-24.0pp |
| Annual return | 4.29% | 43.03%-38.7pp | 40.50%-36.2pp | 578.59%-574.3pp |
| Employer contribution / active EE | $450 | $5,195-91.3% | $4,182-89.2% | $4,876-90.8% |
| Participant deferral / active EE | $1,559 | $5,834-73.3% | $5,045-69.1% | $5,439-71.3% |
| Admin fee / account holder | $712 | $10,275-93.1% | $8,159-91.3% | $10,886-93.5% |