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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 | $5,031 | $53,128-90.5% | $86,581-94.2% | $70,124-92.8% |
| Participation rate | 55.6% | 65.3%-9.7pp | 73.5%-18.0pp | 69.5%-14.0pp |
| Annual return | 8.86% | 27.66%-18.8pp | 965.06%-956.2pp | 73.14%-64.3pp |
| Employer contribution / active EE | $530 | $2,068-74.4% | $2,840-81.3% | $2,342-77.4% |
| Participant deferral / active EE | $1,710 | $2,695-36.5% | $3,609-52.6% | $3,332-48.7% |
| Admin fee / account holder | $1,209 | $3,584-66.3% | $4,904-75.3% | $4,645-74.0% |