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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 | $17,814 | $77,817-77.1% | $123,553-85.6% | $64,173-72.2% |
| Participation rate | 65.7% | 74.7%-9.0pp | 82.3%-16.6pp | 69.6%-3.9pp |
| Annual return | -10.28% | 12.49%-22.8pp | 119.21%-129.5pp | 7.63%-17.9pp |
| Employer contribution / active EE | $999 | $3,014-66.9% | $4,628-78.4% | $2,381-58.1% |
| Participant deferral / active EE | $2,794 | $5,240-46.7% | $6,426-56.5% | $3,470-19.5% |
| Admin fee / account holder | $1,968 | $5,519-64.3% | $9,284-78.8% | $4,887-59.7% |