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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 | $4,034 | $55,889-92.8% | $76,119-94.7% | $80,935-95.0% |
| Participation rate | 47.9% | 62.1%-14.2pp | 69.1%-21.2pp | 67.7%-19.8pp |
| Annual return | 9.72% | 20.58%-10.9pp | 361.25%-351.5pp | 35.66%-25.9pp |
| Employer contribution / active EE | $820 | $1,866-56.1% | $2,693-69.5% | $2,757-70.3% |
| Participant deferral / active EE | $1,562 | $3,051-48.8% | $4,259-63.3% | $4,299-63.7% |
| Admin fee / account holder | $522 | $5,241-90.0% | $6,421-91.9% | $6,924-92.5% |