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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 | $21,330 | $54,380-60.8% | $68,509-68.9% | $59,633-64.2% |
| Participation rate | 35.7% | 70.2%-34.5pp | 74.7%-39.0pp | 68.7%-33.0pp |
| Annual return | -4.11% | 2.83%-6.9pp | 8.27%-12.4pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $284 | $1,539-81.6% | $2,278-87.5% | $2,203-87.1% |
| Participant deferral / active EE | $1,874 | $2,643-29.1% | $3,382-44.6% | $3,192-41.3% |
| Admin fee / account holder | $4,641 | $3,885+19.4% | $5,275-12.0% | $4,297+8.0% |