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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 | $5,341 | $81,276-93.4% | $155,574-96.6% | $80,925-93.4% |
| Participation rate | 60.7% | 66.2%-5.6pp | 78.2%-17.6pp | 67.7%-7.0pp |
| Annual return | 6.10% | 33.36%-27.3pp | 64.87%-58.8pp | 35.65%-29.5pp |
| Employer contribution / active EE | $1,112 | $3,103-64.2% | $4,676-76.2% | $2,756-59.6% |
| Participant deferral / active EE | $1,195 | $3,453-65.4% | $5,629-78.8% | $4,299-72.2% |
| Admin fee / account holder | $390 | $7,993-95.1% | $15,914-97.6% | $6,940-94.4% |