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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 | $12,722 | $48,364-73.7% | $71,796-82.3% | $62,881-79.8% |
| Participation rate | 52.4% | 60.6%-8.2pp | 69.1%-16.7pp | 69.3%-16.9pp |
| Annual return | 1.93% | 13.16%-11.2pp | 78.04%-76.1pp | 20.14%-18.2pp |
| Employer contribution / active EE | $192 | $1,042-81.6% | $1,924-90.0% | $2,281-91.6% |
| Participant deferral / active EE | $1,599 | $2,091-23.5% | $2,794-42.8% | $3,203-50.1% |
| Admin fee / account holder | $914 | $3,771-75.8% | $4,815-81.0% | $4,296-78.7% |