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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 | $17,250 | $64,729-73.4% | $112,263-84.6% | $68,490-74.8% |
| Participation rate | 43.3% | 67.2%-23.8pp | 75.1%-31.7pp | 67.9%-24.6pp |
| Annual return | -21.73% | -11.40%-10.3pp | 27.49%-49.2pp | -7.85%-13.9pp |
| Employer contribution / active EE | $1,115 | $2,746-59.4% | $3,636-69.3% | $2,597-57.1% |
| Participant deferral / active EE | $3,527 | $3,566-1.1% | $4,729-25.4% | $4,028-12.4% |
| Admin fee / account holder | $756 | $5,222-85.5% | $6,410-88.2% | $5,403-86.0% |