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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 | $14,347 | $81,870-82.5% | $119,634-88.0% | $68,490-79.1% |
| Participation rate | 47.4% | 71.9%-24.5pp | 79.3%-31.9pp | 67.9%-20.5pp |
| Annual return | -22.70% | -23.82%+1.1pp | -14.98%-7.7pp | -7.85%-14.9pp |
| Employer contribution / active EE | $1,718 | $2,692-36.2% | $4,232-59.4% | $2,597-33.8% |
| Participant deferral / active EE | $3,253 | $4,148-21.6% | $5,601-41.9% | $4,028-19.2% |
| Admin fee / account holder | $2,370 | $6,583-64.0% | $10,329-77.1% | $5,403-56.1% |