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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 | $6,217 | $57,352-89.2% | $83,830-92.6% | $64,173-90.3% |
| Participation rate | 54.8% | 68.6%-13.8pp | 76.1%-21.3pp | 69.6%-14.7pp |
| Annual return | -18.00% | 11.38%-29.4pp | 850.97%-869.0pp | 7.63%-25.6pp |
| Employer contribution / active EE | $785 | $2,546-69.2% | $3,631-78.4% | $2,381-67.0% |
| Participant deferral / active EE | $1,758 | $2,993-41.3% | $4,082-56.9% | $3,470-49.3% |
| Admin fee / account holder | $319 | $4,046-92.1% | $5,479-94.2% | $4,887-93.5% |