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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 | $12,332 | $63,861-80.7% | $104,614-88.2% | $79,858-84.6% |
| Participation rate | 58.1% | 64.9%-6.9pp | 74.1%-16.0pp | 69.6%-11.6pp |
| Annual return | -0.95% | 21.30%-22.2pp | 340.56%-341.5pp | 31.72%-32.7pp |
| Employer contribution / active EE | $540 | $1,588-66.0% | $2,681-79.9% | $2,471-78.1% |
| Participant deferral / active EE | $1,568 | $2,693-41.8% | $3,739-58.1% | $3,740-58.1% |
| Admin fee / account holder | $772 | $4,185-81.6% | $6,464-88.1% | $5,306-85.4% |