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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 | $14,177 | $62,672-77.4% | $185,117-92.3% | $70,126-79.8% |
| Participation rate | 45.7% | 63.8%-18.1pp | 77.3%-31.6pp | 69.5%-23.8pp |
| Annual return | -3.96% | 40.79%-44.7pp | 40.50%-44.5pp | 73.15%-77.1pp |
| Employer contribution / active EE | $435 | $1,753-75.2% | $4,182-89.6% | $2,343-81.4% |
| Participant deferral / active EE | $4,334 | $3,272+32.5% | $5,045-14.1% | $3,332+30.1% |
| Admin fee / account holder | $2,136 | $3,932-45.7% | $8,159-73.8% | $4,645-54.0% |