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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 | $19,876 | $135,956-85.4% | $123,894-84.0% | $273,972-92.7% |
| Participation rate | 57.9% | 84.1%-26.2pp | 81.4%-23.5pp | 83.0%-25.1pp |
| Annual return | 1.75% | 56.63%-54.9pp | 47.52%-45.8pp | 41.46%-39.7pp |
| Employer contribution / active EE | $1,595 | $5,170-69.1% | $4,617-65.4% | $4,869-67.2% |
| Participant deferral / active EE | $3,130 | $6,343-50.7% | $5,984-47.7% | $5,287-40.8% |
| Admin fee / account holder | $1,362 | $9,817-86.1% | $8,357-83.7% | $10,133-86.6% |