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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 | $16,429 | $65,704-75.0% | $94,229-82.6% | $59,633-72.5% |
| Participation rate | 53.8% | 72.1%-18.4pp | 78.8%-25.0pp | 68.7%-14.9pp |
| Annual return | -2.63% | 5.22%-7.8pp | 10.68%-13.3pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $588 | $2,021-70.9% | $3,587-83.6% | $2,203-73.3% |
| Participant deferral / active EE | $2,053 | $3,143-34.7% | $4,320-52.5% | $3,192-35.7% |
| Admin fee / account holder | $648 | $4,265-84.8% | $6,269-89.7% | $4,297-84.9% |