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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 | $51,184-88.0% | $66,439-90.8% | $86,983-93.0% |
| Participation rate | 59.4% | 68.5%-9.1pp | 74.5%-15.1pp | 69.5%-10.2pp |
| Annual return | 4.31% | 17.07%-12.8pp | 757.66%-753.4pp | 25.83%-21.5pp |
| Employer contribution / active EE | $705 | $2,023-65.2% | $2,637-73.3% | $2,584-72.7% |
| Participant deferral / active EE | $1,437 | $2,927-50.9% | $3,876-62.9% | $4,194-65.7% |
| Admin fee / account holder | $522 | $4,154-87.4% | $6,173-91.5% | $7,856-93.4% |