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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 | $15,051 | $52,519-71.3% | $155,789-90.3% | $59,633-74.8% |
| Participation rate | 60.7% | 61.7%-1.0pp | 76.1%-15.4pp | 68.7%-8.0pp |
| Annual return | -3.99% | 53.51%-57.5pp | 71.54%-75.5pp | 2041.45%-2045.4pp |
| Employer contribution / active EE | $1,743 | $1,589+9.7% | $3,839-54.6% | $2,203-20.9% |
| Participant deferral / active EE | $3,497 | $3,084+13.4% | $4,798-27.1% | $3,192+9.6% |
| Admin fee / account holder | $1,853 | $3,540-47.6% | $7,477-75.2% | $4,297-56.9% |