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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 | $15,434 | $72,177-78.6% | $115,037-86.6% | $59,632-74.1% |
| Participation rate | 37.3% | 72.6%-35.3pp | 81.4%-44.1pp | 68.7%-31.4pp |
| Annual return | -4.95% | 12.02%-17.0pp | 26.14%-31.1pp | 2041.32%-2046.3pp |
| Employer contribution / active EE | $503 | $2,841-82.3% | $4,608-89.1% | $2,203-77.2% |
| Participant deferral / active EE | $2,743 | $4,783-42.6% | $6,026-54.5% | $3,192-14.1% |
| Admin fee / account holder | $634 | $4,927-87.1% | $8,175-92.2% | $4,297-85.2% |