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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 | $6,121 | $47,479-87.1% | $62,929-90.3% | $82,448-92.6% |
| Participation rate | 59.4% | 66.9%-7.5pp | 73.1%-13.7pp | 68.1%-8.7pp |
| Annual return | 4.31% | 20.34%-16.0pp | 1063.93%-1059.6pp | 41.64%-37.3pp |
| Employer contribution / active EE | $705 | $1,885-62.6% | $2,505-71.9% | $2,551-72.4% |
| Participant deferral / active EE | $1,437 | $2,870-49.9% | $3,888-63.0% | $4,139-65.3% |
| Admin fee / account holder | $522 | $3,804-86.3% | $5,065-89.7% | $7,234-92.8% |