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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 | $14,899 | $99,345-85.0% | $84,753-82.4% | $273,972-94.6% |
| Participation rate | 33.3% | 80.7%-47.4pp | 76.6%-43.3pp | 83.0%-49.7pp |
| Annual return | -12.67% | 22.93%-35.6pp | 22.78%-35.5pp | 41.46%-54.1pp |
| Employer contribution / active EE | $818 | $4,214-80.6% | $3,574-77.1% | $4,869-83.2% |
| Participant deferral / active EE | $1,735 | $4,270-59.4% | $3,712-53.3% | $5,287-67.2% |
| Admin fee / account holder | $1,909 | $6,645-71.3% | $5,333-64.2% | $10,133-81.2% |