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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 | $12,482 | $65,703-81.0% | $94,228-86.8% | $59,633-79.1% |
| Participation rate | 65.8% | 72.1%-6.3pp | 78.8%-13.0pp | 68.7%-2.9pp |
| Annual return | -2.58% | 5.22%-7.8pp | 10.68%-13.3pp | 2041.40%-2044.0pp |
| Employer contribution / active EE | $1,269 | $2,021-37.2% | $3,587-64.6% | $2,203-42.4% |
| Participant deferral / active EE | $3,376 | $3,143+7.4% | $4,320-21.9% | $3,192+5.8% |
| Admin fee / account holder | $440 | $4,264-89.7% | $6,269-93.0% | $4,297-89.8% |