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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 | $14,102 | $64,719-78.2% | $112,249-87.4% | $68,486-79.4% |
| Participation rate | 24.1% | 67.2%-43.0pp | 75.1%-50.9pp | 67.9%-43.8pp |
| Annual return | -60.51% | -11.40%-49.1pp | 27.48%-88.0pp | -7.85%-52.7pp |
| Employer contribution / active EE | $1,198 | $2,747-56.4% | $3,636-67.0% | $2,597-53.8% |
| Participant deferral / active EE | $3,728 | $3,565+4.6% | $4,729-21.2% | $4,028-7.4% |
| Admin fee / account holder | $1,028 | $5,232-80.4% | $6,412-84.0% | $5,404-81.0% |