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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 | $23,273 | $82,028-71.6% | $123,105-81.1% | $59,633-61.0% |
| Participation rate | 63.9% | 83.2%-19.3pp | 86.8%-22.9pp | 68.7%-4.8pp |
| Annual return | -3.97% | 5.12%-9.1pp | 13.22%-17.2pp | 2041.45%-2045.4pp |
| Employer contribution / active EE | $2,521 | $3,297-23.5% | $5,151-51.1% | $2,203+14.5% |
| Participant deferral / active EE | $5,659 | $4,667+21.3% | $6,229-9.2% | $3,192+77.3% |
| Admin fee / account holder | $2,010 | $5,879-65.8% | $9,014-77.7% | $4,297-53.2% |