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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 | $48,011-87.3% | $63,803-90.4% | $82,637-92.6% |
| Participation rate | 59.4% | 66.6%-7.2pp | 72.7%-13.3pp | 68.1%-8.7pp |
| Annual return | 4.31% | 19.84%-15.5pp | 543.72%-539.4pp | 53.51%-49.2pp |
| Employer contribution / active EE | $705 | $1,904-63.0% | $2,532-72.2% | $2,552-72.4% |
| Participant deferral / active EE | $1,437 | $2,846-49.5% | $3,843-62.6% | $4,126-65.2% |
| Admin fee / account holder | $522 | $3,873-86.5% | $5,196-89.9% | $7,339-92.9% |