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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 | $12,310 | $84,236-85.4% | $170,435-92.8% | $70,126-82.4% |
| Participation rate | 66.7% | 70.8%-4.2pp | 83.6%-16.9pp | 69.5%-2.9pp |
| Annual return | 10.36% | 23.06%-12.7pp | 205.94%-195.6pp | 73.15%-62.8pp |
| Employer contribution / active EE | $564 | $3,387-83.4% | $5,432-89.6% | $2,343-75.9% |
| Participant deferral / active EE | $1,030 | $3,086-66.6% | $4,939-79.1% | $3,332-69.1% |
| Admin fee / account holder | $388 | $5,698-93.2% | $13,881-97.2% | $4,645-91.6% |