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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 | $10,043 | $67,411-85.1% | $91,004-89.0% | $70,126-85.7% |
| Participation rate | 39.6% | 71.4%-31.7pp | 75.6%-36.0pp | 69.5%-29.9pp |
| Annual return | 3.75% | -40.16%+43.9pp | 4.60%-0.9pp | 73.15%-69.4pp |
| Employer contribution / active EE | $591 | $1,786-66.9% | $2,456-75.9% | $2,343-74.8% |
| Participant deferral / active EE | $1,311 | $2,823-53.6% | $3,548-63.1% | $3,332-60.7% |
| Admin fee / account holder | $715 | $4,236-83.1% | $5,417-86.8% | $4,645-84.6% |