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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 | $1,317 | $47,105-97.2% | $68,368-98.1% | $67,986-98.1% |
| Participation rate | 65.3% | 51.8%+13.5pp | 73.8%-8.5pp | 57.2%+8.1pp |
| Annual return | 8.02% | 48.37%-40.4pp | 292.57%-284.6pp | 31.67%-23.6pp |
| Employer contribution / active EE | $227 | $1,859-87.8% | $2,649-91.4% | $2,019-88.8% |
| Participant deferral / active EE | $429 | $2,374-81.9% | $4,123-89.6% | $3,358-87.2% |
| Admin fee / account holder | $367 | $2,435-84.9% | $5,150-92.9% | $3,203-88.5% |