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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 | $9,156 | $52,678-82.6% | $75,784-87.9% | $59,633-84.6% |
| Participation rate | 65.0% | 67.2%-2.2pp | 75.8%-10.8pp | 68.7%-3.7pp |
| Annual return | -4.02% | 2.95%-7.0pp | 9.68%-13.7pp | 2041.45%-2045.5pp |
| Employer contribution / active EE | $532 | $2,193-75.7% | $3,323-84.0% | $2,203-75.8% |
| Participant deferral / active EE | $1,166 | $2,591-55.0% | $3,652-68.1% | $3,192-63.5% |
| Admin fee / account holder | $758 | $3,610-79.0% | $5,300-85.7% | $4,297-82.4% |