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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 | $9,533 | $94,031-89.9% | $115,768-91.8% | $82,448-88.4% |
| Participation rate | 51.4% | 70.4%-19.1pp | 74.4%-23.0pp | 68.1%-16.7pp |
| Annual return | 7.72% | 20.61%-12.9pp | 100.46%-92.7pp | 41.64%-33.9pp |
| Employer contribution / active EE | $812 | $2,323-65.0% | $2,940-72.4% | $2,551-68.2% |
| Participant deferral / active EE | $2,414 | $3,972-39.2% | $4,917-50.9% | $4,139-41.7% |
| Admin fee / account holder | $1,893 | $10,249-81.5% | $12,439-84.8% | $7,234-73.8% |