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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 | $6,234 | $85,171-92.7% | $172,752-96.4% | $72,975-91.5% |
| Participation rate | 53.6% | 70.1%-16.5pp | 82.6%-29.1pp | 69.5%-15.9pp |
| Annual return | 14.01% | 27.32%-13.3pp | 802.97%-789.0pp | 81.01%-67.0pp |
| Employer contribution / active EE | $788 | $3,324-76.3% | $5,144-84.7% | $2,440-67.7% |
| Participant deferral / active EE | $911 | $3,260-72.1% | $5,198-82.5% | $3,608-74.7% |
| Admin fee / account holder | $2,489 | $5,880-57.7% | $13,955-82.2% | $5,124-51.4% |