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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 | $17,101 | $65,704-74.0% | $94,229-81.9% | $59,633-71.3% |
| Participation rate | 36.7% | 72.1%-35.5pp | 78.8%-42.1pp | 68.7%-32.0pp |
| Annual return | -3.47% | 5.22%-8.7pp | 10.68%-14.2pp | 2041.45%-2044.9pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,023 | $3,143-35.6% | $4,320-53.2% | $3,192-36.6% |
| Admin fee / account holder | $316 | $4,265-92.6% | $6,269-95.0% | $4,297-92.7% |