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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 | $19,961 | $54,380-63.3% | $68,509-70.9% | $59,633-66.5% |
| Participation rate | 69.9% | 70.2%-0.3pp | 74.7%-4.9pp | 68.7%+1.2pp |
| Annual return | -3.05% | 2.83%-5.9pp | 8.27%-11.3pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $798 | $1,539-48.1% | $2,278-65.0% | $2,203-63.8% |
| Participant deferral / active EE | $1,907 | $2,643-27.8% | $3,382-43.6% | $3,192-40.2% |
| Admin fee / account holder | $1,307 | $3,885-66.4% | $5,275-75.2% | $4,297-69.6% |