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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 | $16,125 | $52,884-69.5% | $84,753-81.0% | $55,167-70.8% |
| Participation rate | 55.3% | 67.5%-12.3pp | 76.6%-21.3pp | 69.0%-13.7pp |
| Annual return | -0.22% | 18.03%-18.3pp | 22.78%-23.0pp | 169.23%-169.5pp |
| Employer contribution / active EE | $0 | $2,233-100.0% | $3,574-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,229 | $2,644-53.5% | $3,712-66.9% | $3,054-59.7% |
| Admin fee / account holder | $351 | $581-39.5% | $5,333-93.4% | $504-30.3% |