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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 | $20,489 | $54,380-62.3% | $68,509-70.1% | $59,633-65.6% |
| Participation rate | 61.0% | 70.2%-9.2pp | 74.7%-13.7pp | 68.7%-7.6pp |
| Annual return | -3.27% | 2.83%-6.1pp | 8.27%-11.5pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $762 | $1,539-50.5% | $2,278-66.6% | $2,203-65.4% |
| Participant deferral / active EE | $2,009 | $2,643-24.0% | $3,382-40.6% | $3,192-37.0% |
| Admin fee / account holder | $1,200 | $3,885-69.1% | $5,275-77.3% | $4,297-72.1% |