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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 | $16,209 | $52,911-69.4% | $73,309-77.9% | $59,633-72.8% |
| Participation rate | 57.4% | 68.2%-10.8pp | 74.9%-17.5pp | 68.7%-11.2pp |
| Annual return | -4.30% | 12.20%-16.5pp | 5.67%-10.0pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,926 | $4,069+45.6% | $4,991+18.7% | $3,192+85.7% |
| Admin fee / account holder | $1,150 | $3,835-70.0% | $5,635-79.6% | $4,297-73.2% |