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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 | $6,775 | $56,431-88.0% | $130,788-94.8% | $87,485-92.3% |
| Participation rate | 40.7% | 58.9%-18.3pp | 70.1%-29.4pp | 68.9%-28.3pp |
| Annual return | 12.44% | 91.27%-78.8pp | 386.44%-374.0pp | 26.06%-13.6pp |
| Employer contribution / active EE | $274 | $1,549-82.3% | $3,558-92.3% | $2,596-89.5% |
| Participant deferral / active EE | $1,898 | $2,749-31.0% | $4,137-54.1% | $4,274-55.6% |
| Admin fee / account holder | $1,400 | $4,433-68.4% | $6,673-79.0% | $7,775-82.0% |