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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 | $3,093 | $30,437-89.8% | $56,033-94.5% | $74,459-95.8% |
| Participation rate | 26.3% | 32.9%-6.6pp | 52.5%-26.2pp | 67.2%-40.9pp |
| Annual return | 6.47% | 24.96%-18.5pp | 1711.38%-1704.9pp | 1369.70%-1363.2pp |
| Employer contribution / active EE | $184 | $610-69.9% | $1,041-82.4% | $2,626-93.0% |
| Participant deferral / active EE | $343 | $1,176-70.8% | $1,954-82.4% | $4,350-92.1% |
| Admin fee / account holder | $1,058 | $2,363-55.2% | $2,827-62.6% | $1,945-45.6% |