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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 | $12,360 | $91,194-86.4% | $178,486-93.1% | $79,860-84.5% |
| Participation rate | 56.3% | 69.2%-13.0pp | 81.9%-25.7pp | 69.6%-13.4pp |
| Annual return | 0.68% | 24.19%-23.5pp | 151.08%-150.4pp | 31.72%-31.0pp |
| Employer contribution / active EE | $1,063 | $3,256-67.4% | $5,011-78.8% | $2,471-57.0% |
| Participant deferral / active EE | $2,930 | $3,236-9.5% | $5,202-43.7% | $3,740-21.7% |
| Admin fee / account holder | $439 | $6,751-93.5% | $13,985-96.9% | $5,306-91.7% |