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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 | $16,261 | $65,704-75.3% | $94,229-82.7% | $59,633-72.7% |
| Participation rate | 46.7% | 72.1%-25.5pp | 78.8%-32.1pp | 68.7%-22.0pp |
| Annual return | -6.44% | 5.22%-11.7pp | 10.68%-17.1pp | 2041.45%-2047.9pp |
| Employer contribution / active EE | $1,660 | $2,021-17.9% | $3,587-53.7% | $2,203-24.7% |
| Participant deferral / active EE | $3,245 | $3,143+3.2% | $4,320-24.9% | $3,192+1.7% |
| Admin fee / account holder | $956 | $4,265-77.6% | $6,269-84.7% | $4,297-77.7% |