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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 | $13,017 | $78,428-83.4% | $95,960-86.4% | $79,852-83.7% |
| Participation rate | 67.6% | 73.5%-5.9pp | 77.1%-9.5pp | 69.6%-2.1pp |
| Annual return | 3.38% | 19.37%-16.0pp | 91.63%-88.3pp | 31.72%-28.3pp |
| Employer contribution / active EE | $1,008 | $1,945-48.2% | $2,541-60.3% | $2,471-59.2% |
| Participant deferral / active EE | $2,598 | $3,440-24.5% | $4,167-37.7% | $3,740-30.6% |
| Admin fee / account holder | $16,347 | $5,622+190.8% | $6,797+140.5% | $5,306+208.1% |