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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 | $21,645 | $65,704-67.1% | $94,229-77.0% | $59,633-63.7% |
| Participation rate | 56.4% | 72.1%-15.8pp | 78.8%-22.4pp | 68.7%-12.3pp |
| Annual return | -5.19% | 5.22%-10.4pp | 10.68%-15.9pp | 2041.45%-2046.6pp |
| Employer contribution / active EE | $848 | $2,021-58.0% | $3,587-76.4% | $2,203-61.5% |
| Participant deferral / active EE | $3,603 | $3,143+14.6% | $4,320-16.6% | $3,192+12.9% |
| Admin fee / account holder | $1,937 | $4,265-54.6% | $6,269-69.1% | $4,297-54.9% |