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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 | $6,264 | $60,349-89.6% | $74,184-91.6% | $62,881-90.0% |
| Participation rate | 56.3% | 72.7%-16.5pp | 76.6%-20.4pp | 69.3%-13.1pp |
| Annual return | 0.23% | 21.38%-21.1pp | 17.74%-17.5pp | 20.14%-19.9pp |
| Employer contribution / active EE | $708 | $1,680-57.9% | $2,370-70.1% | $2,281-69.0% |
| Participant deferral / active EE | $1,786 | $2,856-37.5% | $3,550-49.7% | $3,203-44.2% |
| Admin fee / account holder | $697 | $4,261-83.6% | $5,586-87.5% | $4,296-83.8% |