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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 | $11,906 | $77,638-84.7% | $156,551-92.4% | $62,881-81.1% |
| Participation rate | 53.7% | 71.2%-17.5pp | 84.0%-30.3pp | 69.3%-15.6pp |
| Annual return | 4.44% | 50.33%-45.9pp | 32.23%-27.8pp | 20.14%-15.7pp |
| Employer contribution / active EE | $800 | $3,444-76.8% | $5,501-85.5% | $2,281-64.9% |
| Participant deferral / active EE | $987 | $3,046-67.6% | $4,871-79.7% | $3,203-69.2% |
| Admin fee / account holder | $556 | $5,561-90.0% | $13,028-95.7% | $4,296-87.0% |