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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 | $19,817 | $72,177-72.5% | $115,037-82.8% | $59,633-66.8% |
| Participation rate | 62.8% | 72.6%-9.8pp | 81.4%-18.6pp | 68.7%-5.9pp |
| Annual return | -2.61% | 12.02%-14.6pp | 26.14%-28.8pp | 2041.40%-2044.0pp |
| Employer contribution / active EE | $1,264 | $2,841-55.5% | $4,608-72.6% | $2,203-42.6% |
| Participant deferral / active EE | $3,122 | $4,783-34.7% | $6,026-48.2% | $3,192-2.2% |
| Admin fee / account holder | $553 | $4,927-88.8% | $8,175-93.2% | $4,297-87.1% |