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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 | $7,314 | $65,703-88.9% | $94,228-92.2% | $59,633-87.7% |
| Participation rate | 51.0% | 72.1%-21.1pp | 78.8%-27.8pp | 68.7%-17.7pp |
| Annual return | -8.80% | 5.22%-14.0pp | 10.68%-19.5pp | 2041.40%-2050.2pp |
| Employer contribution / active EE | $695 | $2,021-65.6% | $3,587-80.6% | $2,203-68.4% |
| Participant deferral / active EE | $1,539 | $3,143-51.0% | $4,320-64.4% | $3,192-51.8% |
| Admin fee / account holder | $308 | $4,264-92.8% | $6,269-95.1% | $4,297-92.8% |