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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 | $6,663 | $44,746-85.1% | $88,179-92.4% | $64,097-89.6% |
| Participation rate | 7.4% | 39.8%-32.4pp | 69.1%-61.8pp | 55.2%-47.8pp |
| Annual return | 11.91% | 24.70%-12.8pp | 64.97%-53.1pp | 34.64%-22.7pp |
| Employer contribution / active EE | $0 | $1,078-100.0% | $2,549-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $559 | $2,072-73.0% | $4,614-87.9% | $3,080-81.9% |
| Admin fee / account holder | $2,298 | $3,437-33.1% | $7,673-70.0% | $3,454-33.5% |