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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 | $6,844 | $123,859-94.5% | $69,632-90.2% | $145,897-95.3% |
| Participation rate | 61.9% | 69.2%-7.3pp | 66.4%-4.5pp | 80.3%-18.4pp |
| Annual return | 4.61% | 192.49%-187.9pp | 101.32%-96.7pp | 552.29%-547.7pp |
| Employer contribution / active EE | $257 | $2,673-90.4% | $1,708-84.9% | $4,663-94.5% |
| Participant deferral / active EE | $1,426 | $4,242-66.4% | $2,889-50.6% | $6,689-78.7% |
| Admin fee / account holder | $904 | $7,817-88.4% | $4,695-80.7% | $13,390-93.2% |