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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 | $7,485 | $45,566-83.6% | $64,105-88.3% | $59,633-87.4% |
| Participation rate | 68.9% | 60.2%+8.7pp | 68.2%+0.7pp | 68.7%+0.2pp |
| Annual return | -3.81% | 4.95%-8.8pp | 791.24%-795.1pp | 2041.45%-2045.3pp |
| Employer contribution / active EE | $709 | $934-24.1% | $1,820-61.0% | $2,203-67.8% |
| Participant deferral / active EE | $1,008 | $2,057-51.0% | $2,822-64.3% | $3,192-68.4% |
| Admin fee / account holder | $1,343 | $3,268-58.9% | $4,499-70.2% | $4,297-68.8% |