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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 | $97,648-90.2% | $121,663-92.2% | $87,485-89.1% |
| Participation rate | 51.4% | 70.5%-19.1pp | 74.5%-23.1pp | 68.9%-17.6pp |
| Annual return | 7.72% | 18.03%-10.3pp | 147.54%-139.8pp | 26.06%-18.3pp |
| Employer contribution / active EE | $812 | $2,300-64.7% | $3,020-73.1% | $2,596-68.7% |
| Participant deferral / active EE | $2,414 | $3,923-38.5% | $4,887-50.6% | $4,274-43.5% |
| Admin fee / account holder | $1,893 | $11,100-82.9% | $14,289-86.8% | $7,775-75.7% |