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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 | $9,109 | $54,757-83.4% | $90,304-89.9% | $72,975-87.5% |
| Participation rate | 57.1% | 65.2%-8.0pp | 73.3%-16.1pp | 69.5%-12.3pp |
| Annual return | 5.01% | 30.63%-25.6pp | 78.13%-73.1pp | 81.01%-76.0pp |
| Employer contribution / active EE | $622 | $2,093-70.3% | $2,855-78.2% | $2,440-74.5% |
| Participant deferral / active EE | $1,252 | $2,887-56.6% | $3,885-67.8% | $3,608-65.3% |
| Admin fee / account holder | $455 | $3,973-88.5% | $5,354-91.5% | $5,124-91.1% |