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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 | $10,833 | $72,177-85.0% | $115,038-90.6% | $59,633-81.8% |
| Participation rate | 47.1% | 72.6%-25.5pp | 81.4%-34.3pp | 68.7%-21.6pp |
| Annual return | -8.16% | 12.02%-20.2pp | 26.14%-34.3pp | 2041.45%-2049.6pp |
| Employer contribution / active EE | $827 | $2,841-70.9% | $4,608-82.1% | $2,203-62.5% |
| Participant deferral / active EE | $2,798 | $4,783-41.5% | $6,026-53.6% | $3,192-12.3% |
| Admin fee / account holder | $1,055 | $4,927-78.6% | $8,175-87.1% | $4,297-75.4% |