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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 | $18,841 | $72,177-73.9% | $115,037-83.6% | $59,633-68.4% |
| Participation rate | 50.0% | 72.6%-22.6pp | 81.4%-31.4pp | 68.7%-18.7pp |
| Annual return | -6.14% | 12.02%-18.2pp | 26.14%-32.3pp | 2041.40%-2047.5pp |
| Employer contribution / active EE | $524 | $2,841-81.5% | $4,608-88.6% | $2,203-76.2% |
| Participant deferral / active EE | $3,004 | $4,783-37.2% | $6,026-50.2% | $3,192-5.9% |
| Admin fee / account holder | $1,882 | $4,927-61.8% | $8,175-77.0% | $4,297-56.2% |