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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 | $10,256 | $45,438-77.4% | $80,004-87.2% | $59,633-82.8% |
| Participation rate | 54.2% | 63.7%-9.6pp | 73.0%-18.8pp | 68.7%-14.5pp |
| Annual return | -4.40% | 5.10%-9.5pp | 7.63%-12.0pp | 2041.45%-2045.9pp |
| Employer contribution / active EE | $783 | $1,236-36.6% | $2,473-68.3% | $2,203-64.4% |
| Participant deferral / active EE | $1,066 | $2,231-52.2% | $3,204-66.7% | $3,192-66.6% |
| Admin fee / account holder | $935 | $3,464-73.0% | $5,033-81.4% | $4,297-78.2% |