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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 | $6,936 | $198,836-96.5% | $102,412-93.2% | - |
| Participation rate | 48.5% | 60.8%-12.4pp | 74.5%-26.0pp | - |
| Annual return | 8.30% | 12.43%-4.1pp | 24.94%-16.6pp | - |
| Employer contribution / active EE | $1,954 | $2,607-25.1% | $3,870-49.5% | - |
| Participant deferral / active EE | $0 | $3,407-100.0% | $5,060-100.0% | - |
| Admin fee / account holder | $1,509 | $10,004-84.9% | $8,388-82.0% | - |