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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 | $5,702 | $48,011-88.1% | $63,803-91.1% | $82,637-93.1% |
| Participation rate | 69.6% | 66.6%+3.0pp | 72.7%-3.1pp | 68.1%+1.5pp |
| Annual return | 11.04% | 19.84%-8.8pp | 543.72%-532.7pp | 53.51%-42.5pp |
| Employer contribution / active EE | $705 | $1,904-63.0% | $2,532-72.2% | $2,552-72.4% |
| Participant deferral / active EE | $1,144 | $2,846-59.8% | $3,843-70.2% | $4,126-72.3% |
| Admin fee / account holder | $1,149 | $3,873-70.3% | $5,196-77.9% | $7,339-84.3% |