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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 | $11,840 | $52,678-77.5% | $75,784-84.4% | $59,633-80.1% |
| Participation rate | 51.3% | 67.2%-15.9pp | 75.8%-24.5pp | 68.7%-17.4pp |
| Annual return | -4.68% | 2.95%-7.6pp | 9.68%-14.4pp | 2041.40%-2046.1pp |
| Employer contribution / active EE | $1,489 | $2,193-32.1% | $3,323-55.2% | $2,203-32.4% |
| Participant deferral / active EE | $2,567 | $2,591-0.9% | $3,652-29.7% | $3,192-19.6% |
| Admin fee / account holder | $1,349 | $3,610-62.6% | $5,300-74.5% | $4,297-68.6% |