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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 | $58,234-91.0% | $81,783-93.6% | $80,874-93.5% |
| Participation rate | 56.5% | 63.4%-6.9pp | 72.4%-15.8pp | 67.6%-11.1pp |
| Annual return | 6.18% | 41.70%-35.5pp | 775.05%-768.9pp | 35.62%-29.4pp |
| Employer contribution / active EE | $906 | $2,341-61.3% | $2,913-68.9% | $2,756-67.1% |
| Participant deferral / active EE | $1,657 | $3,283-49.5% | $4,320-61.6% | $4,297-61.4% |
| Admin fee / account holder | $856 | $4,982-82.8% | $7,380-88.4% | $6,935-87.7% |