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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 | $81,358-93.4% | $155,556-96.6% | $80,959-93.4% |
| Participation rate | 60.7% | 66.3%-5.6pp | 78.2%-17.6pp | 67.7%-7.0pp |
| Annual return | 6.10% | 33.39%-27.3pp | 64.84%-58.7pp | 35.67%-29.6pp |
| Employer contribution / active EE | $1,112 | $3,106-64.2% | $4,675-76.2% | $2,757-59.7% |
| Participant deferral / active EE | $1,195 | $3,455-65.4% | $5,631-78.8% | $4,300-72.2% |
| Admin fee / account holder | $390 | $7,994-95.1% | $15,885-97.5% | $6,925-94.4% |