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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 | $17,695 | $71,878-75.4% | $86,698-79.6% | $68,486-74.2% |
| Participation rate | 25.0% | 72.2%-47.2pp | 76.6%-51.6pp | 67.9%-42.9pp |
| Annual return | -21.04% | 3.53%-24.6pp | 35.95%-57.0pp | -7.85%-13.2pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,685 | $3,779-2.5% | $4,656-20.9% | $4,028-8.5% |
| Admin fee / account holder | $1,205 | $6,113-80.3% | $7,493-83.9% | $5,404-77.7% |