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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 | $12,969 | $82,028-84.2% | $123,105-89.5% | $59,633-78.3% |
| Participation rate | 50.0% | 83.2%-33.2pp | 86.8%-36.8pp | 68.7%-18.7pp |
| Annual return | -1.99% | 5.12%-7.1pp | 13.22%-15.2pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $1,231 | $3,297-62.7% | $5,151-76.1% | $2,203-44.1% |
| Participant deferral / active EE | $2,403 | $4,667-48.5% | $6,229-61.4% | $3,192-24.7% |
| Admin fee / account holder | $1,878 | $5,879-68.1% | $9,014-79.2% | $4,297-56.3% |