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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 | $5,245 | $58,275-91.0% | $81,844-93.6% | $80,935-93.5% |
| Participation rate | 56.5% | 63.5%-6.9pp | 72.4%-15.9pp | 67.7%-11.1pp |
| Annual return | 6.18% | 41.82%-35.6pp | 778.87%-772.7pp | 35.66%-29.5pp |
| Employer contribution / active EE | $906 | $2,346-61.4% | $2,916-68.9% | $2,757-67.1% |
| Participant deferral / active EE | $1,657 | $3,285-49.6% | $4,323-61.7% | $4,299-61.5% |
| Admin fee / account holder | $856 | $4,749-82.0% | $7,355-88.4% | $6,924-87.6% |