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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 | $11,134 | $48,300-76.9% | $40,145,923-100.0% | $62,881-82.3% |
| Participation rate | 40.6% | 62.0%-21.4pp | 68.4%-27.8pp | 69.3%-28.7pp |
| Annual return | 2.76% | 6.95%-4.2pp | 5.24%-2.5pp | 20.14%-17.4pp |
| Employer contribution / active EE | $494 | $1,333-63.0% | $1,844-73.2% | $2,281-78.4% |
| Participant deferral / active EE | $1,125 | $2,388-52.9% | $2,591-56.6% | $3,203-64.9% |
| Admin fee / account holder | $2,540 | $2,919-13.0% | $2,903-12.5% | $4,296-40.9% |