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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 | $24,496 | $176,786-86.1% | $146,643-83.3% | $167,536-85.4% |
| Participation rate | 50.0% | 83.6%-33.6pp | 80.1%-30.1pp | 82.1%-32.1pp |
| Annual return | -0.88% | 24.04%-24.9pp | 22.75%-23.6pp | 478.82%-479.7pp |
| Employer contribution / active EE | $1,722 | $5,161-66.6% | $4,137-58.4% | $4,839-64.4% |
| Participant deferral / active EE | $2,577 | $6,440-60.0% | $5,506-53.2% | $6,342-59.4% |
| Admin fee / account holder | $3,407 | $13,262-74.3% | $10,280-66.9% | $12,315-72.3% |