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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 | $18,947 | $211,946-91.1% | $169,452-88.8% | $135,380-86.0% |
| Participation rate | 58.8% | 82.6%-23.8pp | 77.8%-19.0pp | 82.6%-23.8pp |
| Annual return | -15.31% | 3.26%-18.6pp | 1.83%-17.1pp | 519.81%-535.1pp |
| Employer contribution / active EE | $1,843 | $5,117-64.0% | $4,157-55.7% | $4,779-61.4% |
| Participant deferral / active EE | $4,451 | $6,075-26.7% | $5,277-15.6% | $5,609-20.6% |
| Admin fee / account holder | $2,330 | $11,472-79.7% | $9,110-74.4% | $10,828-78.5% |