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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 | $10,590 | $53,128-80.1% | $86,582-87.8% | $70,126-84.9% |
| Participation rate | 43.8% | 65.3%-21.6pp | 73.5%-29.8pp | 69.5%-25.8pp |
| Annual return | 9.14% | 27.66%-18.5pp | 965.08%-955.9pp | 73.15%-64.0pp |
| Employer contribution / active EE | $521 | $2,068-74.8% | $2,839-81.6% | $2,343-77.8% |
| Participant deferral / active EE | $1,121 | $2,695-58.4% | $3,609-68.9% | $3,332-66.4% |
| Admin fee / account holder | $891 | $3,584-75.1% | $4,904-81.8% | $4,645-80.8% |