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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 | $17,821 | $73,532-75.8% | $178,505-90.0% | $74,478-76.1% |
| Participation rate | 49.7% | 66.6%-16.9pp | 77.1%-27.5pp | 67.2%-17.6pp |
| Annual return | -16.41% | 17.49%-33.9pp | 27.16%-43.6pp | 1370.56%-1387.0pp |
| Employer contribution / active EE | $914 | $2,221-58.8% | $3,955-76.9% | $2,626-65.2% |
| Participant deferral / active EE | $2,026 | $4,519-55.2% | $6,280-67.7% | $4,350-53.4% |
| Admin fee / account holder | $1,917 | $1,813+5.8% | $10,428-81.6% | $1,946-1.5% |