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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 | $4,283 | $75,541-94.3% | $152,093-97.2% | $82,637-94.8% |
| Participation rate | 56.0% | 66.5%-10.5pp | 77.8%-21.8pp | 68.1%-12.1pp |
| Annual return | 12.39% | 32.56%-20.2pp | 66.36%-54.0pp | 53.51%-41.1pp |
| Employer contribution / active EE | $983 | $2,622-62.5% | $4,175-76.5% | $2,552-61.5% |
| Participant deferral / active EE | $1,251 | $3,206-61.0% | $5,451-77.1% | $4,126-69.7% |
| Admin fee / account holder | $3,036 | $6,405-52.6% | $14,497-79.1% | $7,339-58.6% |