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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 | $10,969 | $47,944-77.1% | $67,834-83.8% | $62,881-82.6% |
| Participation rate | 35.7% | 61.1%-25.4pp | 68.8%-33.1pp | 69.3%-33.6pp |
| Annual return | 0.95% | 11.77%-10.8pp | 138.47%-137.5pp | 20.14%-19.2pp |
| Employer contribution / active EE | $709 | $1,562-54.6% | $2,403-70.5% | $2,281-68.9% |
| Participant deferral / active EE | $1,847 | $2,247-17.8% | $3,160-41.5% | $3,203-42.3% |
| Admin fee / account holder | $722 | $3,712-80.5% | $4,622-84.4% | $4,296-83.2% |