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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 | $5,632 | $58,848-90.4% | $88,179-93.6% | $82,637-93.2% |
| Participation rate | 40.6% | 57.9%-17.3pp | 69.1%-28.5pp | 68.1%-27.4pp |
| Annual return | 12.65% | 22.76%-10.1pp | 64.97%-52.3pp | 53.51%-40.9pp |
| Employer contribution / active EE | $729 | $1,678-56.6% | $2,549-71.4% | $2,552-71.4% |
| Participant deferral / active EE | $857 | $3,124-72.6% | $4,614-81.4% | $4,126-79.2% |
| Admin fee / account holder | $1,584 | $4,795-67.0% | $7,673-79.4% | $7,339-78.4% |