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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 | $10,585 | $77,638-86.4% | $156,551-93.2% | $62,881-83.2% |
| Participation rate | 65.3% | 71.2%-5.9pp | 84.0%-18.7pp | 69.3%-4.0pp |
| Annual return | 3.03% | 50.33%-47.3pp | 32.23%-29.2pp | 20.14%-17.1pp |
| Employer contribution / active EE | $1,252 | $3,444-63.6% | $5,501-77.2% | $2,281-45.1% |
| Participant deferral / active EE | $911 | $3,046-70.1% | $4,871-81.3% | $3,203-71.6% |
| Admin fee / account holder | $5,561 | $5,5610% | $13,028-57.3% | $4,296+29.4% |