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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 | $10,220 | $56,894-82.0% | $84,753-87.9% | $62,881-83.7% |
| Participation rate | 22.6% | 68.5%-45.9pp | 76.6%-54.0pp | 69.3%-46.7pp |
| Annual return | -41.20% | 6.30%-47.5pp | 22.78%-64.0pp | 20.14%-61.3pp |
| Employer contribution / active EE | $479 | $2,400-80.0% | $3,574-86.6% | $2,281-79.0% |
| Participant deferral / active EE | $1,414 | $2,709-47.8% | $3,712-61.9% | $3,203-55.9% |
| Admin fee / account holder | $2,323 | $3,581-35.1% | $5,333-56.4% | $4,296-45.9% |