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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 | $13,090 | $52,678-75.2% | $75,784-82.7% | $59,633-78.0% |
| Participation rate | 16.1% | 67.2%-51.1pp | 75.8%-59.7pp | 68.7%-52.5pp |
| Annual return | -7.21% | 2.95%-10.2pp | 9.68%-16.9pp | 2041.45%-2048.7pp |
| Employer contribution / active EE | $388 | $2,193-82.3% | $3,323-88.3% | $2,203-82.4% |
| Participant deferral / active EE | $1,002 | $2,591-61.3% | $3,652-72.6% | $3,192-68.6% |
| Admin fee / account holder | $1,699 | $3,610-52.9% | $5,300-67.9% | $4,297-60.5% |