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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 | $6,357 | $46,877-86.4% | $122,354-94.8% | $70,126-90.9% |
| Participation rate | 44.6% | 58.2%-13.6pp | 71.6%-27.0pp | 69.5%-24.9pp |
| Annual return | 11.48% | 24.22%-12.7pp | 30.28%-18.8pp | 73.15%-61.7pp |
| Employer contribution / active EE | $473 | $1,288-63.3% | $4,051-88.3% | $2,343-79.8% |
| Participant deferral / active EE | $1,013 | $2,167-53.3% | $3,287-69.2% | $3,332-69.6% |
| Admin fee / account holder | $2,260 | $3,324-32.0% | $5,479-58.7% | $4,645-51.3% |