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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 | $6,182 | $65,704-90.6% | $94,229-93.4% | $59,633-89.6% |
| Participation rate | 67.1% | 72.1%-5.1pp | 78.8%-11.7pp | 68.7%-1.6pp |
| Annual return | -5.51% | 5.22%-10.7pp | 10.68%-16.2pp | 2041.45%-2047.0pp |
| Employer contribution / active EE | $692 | $2,021-65.8% | $3,587-80.7% | $2,203-68.6% |
| Participant deferral / active EE | $1,436 | $3,143-54.3% | $4,320-66.8% | $3,192-55.0% |
| Admin fee / account holder | $413 | $4,265-90.3% | $6,269-93.4% | $4,297-90.4% |