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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 | $15,298 | $52,678-71.0% | $75,784-79.8% | $59,633-74.3% |
| Participation rate | 45.5% | 67.2%-21.8pp | 75.8%-30.4pp | 68.7%-23.2pp |
| Annual return | -14.44% | 2.95%-17.4pp | 9.68%-24.1pp | 2041.40%-2055.8pp |
| Employer contribution / active EE | $1,329 | $2,193-39.4% | $3,323-60.0% | $2,203-39.7% |
| Participant deferral / active EE | $1,677 | $2,591-35.3% | $3,652-54.1% | $3,192-47.5% |
| Admin fee / account holder | $1,292 | $3,610-64.2% | $5,300-75.6% | $4,297-69.9% |