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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 | $6,910 | $51,642-86.6% | $129,384-94.7% | $80,935-91.5% |
| Participation rate | 46.2% | 56.9%-10.8pp | 69.6%-23.5pp | 67.7%-21.5pp |
| Annual return | 10.95% | 20.78%-9.8pp | 9461.77%-9450.8pp | 35.66%-24.7pp |
| Employer contribution / active EE | $744 | $1,583-53.0% | $4,153-82.1% | $2,757-73.0% |
| Participant deferral / active EE | $1,465 | $2,670-45.1% | $4,166-64.8% | $4,299-65.9% |
| Admin fee / account holder | $870 | $4,312-79.8% | $7,686-88.7% | $6,924-87.4% |