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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 | $14,307 | $69,977-79.6% | $108,582-86.8% | $62,881-77.2% |
| Participation rate | 33.3% | 72.9%-39.6pp | 79.6%-46.2pp | 69.3%-36.0pp |
| Annual return | 3.36% | 10.73%-7.4pp | -51.70%+55.1pp | 20.14%-16.8pp |
| Employer contribution / active EE | $555 | $2,135-74.0% | $3,758-85.2% | $2,281-75.7% |
| Participant deferral / active EE | $2,417 | $3,165-23.6% | $4,311-43.9% | $3,203-24.5% |
| Admin fee / account holder | $2,586 | $5,076-49.1% | $7,645-66.2% | $4,296-39.8% |