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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 | $6,499 | $115,225-94.4% | $100,712-93.5% | $138,895-95.3% |
| Participation rate | 66.7% | 74.3%-7.7pp | 69.3%-2.6pp | 79.9%-13.3pp |
| Annual return | 0.93% | 40.35%-39.4pp | 33.27%-32.3pp | 145.39%-144.5pp |
| Employer contribution / active EE | $573 | $2,771-79.3% | $2,313-75.2% | $4,194-86.3% |
| Participant deferral / active EE | $1,237 | $4,699-73.7% | $4,085-69.7% | $6,396-80.7% |
| Admin fee / account holder | $1,215 | $10,844-88.8% | $9,256-86.9% | $12,562-90.3% |