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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 | $17,413 | $66,319-73.7% | $93,621-81.4% | $65,185-73.3% |
| Participation rate | 58.9% | 74.0%-15.1pp | 75.8%-16.9pp | 70.2%-11.3pp |
| Annual return | -1.74% | 42.59%-44.3pp | 32.76%-34.5pp | 29.38%-31.1pp |
| Employer contribution / active EE | $1,098 | $2,013-45.4% | $2,719-59.6% | $2,177-49.5% |
| Participant deferral / active EE | $2,732 | $3,343-18.3% | $4,070-32.9% | $3,514-22.2% |
| Admin fee / account holder | $667 | $6,900-90.3% | $7,890-91.5% | $847-21.3% |