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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 | $7,720 | $81,276-90.5% | $155,574-95.0% | $80,925-90.5% |
| Participation rate | 59.4% | 66.2%-6.9pp | 78.2%-18.8pp | 67.7%-8.3pp |
| Annual return | 2.28% | 33.36%-31.1pp | 64.87%-62.6pp | 35.65%-33.4pp |
| Employer contribution / active EE | $725 | $3,103-76.6% | $4,676-84.5% | $2,756-73.7% |
| Participant deferral / active EE | $974 | $3,453-71.8% | $5,629-82.7% | $4,299-77.3% |
| Admin fee / account holder | $535 | $7,993-93.3% | $15,914-96.6% | $6,940-92.3% |