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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 | $58,057-90.3% | $97,032-94.2% | $86,983-93.5% |
| Participation rate | 40.6% | 60.4%-19.7pp | 71.6%-30.9pp | 69.5%-28.9pp |
| Annual return | 12.65% | 22.26%-9.6pp | 35.38%-22.7pp | 25.83%-13.2pp |
| Employer contribution / active EE | $729 | $1,663-56.2% | $2,629-72.3% | $2,584-71.8% |
| Participant deferral / active EE | $857 | $3,244-73.6% | $4,672-81.7% | $4,194-79.6% |
| Admin fee / account holder | $1,584 | $4,839-67.3% | $9,418-83.2% | $7,856-79.8% |