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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 | $16,030 | $96,558-83.4% | $80,977-80.2% | $273,972-94.1% |
| Participation rate | 30.0% | 79.1%-49.1pp | 75.8%-45.8pp | 83.0%-53.0pp |
| Annual return | -5.74% | 15.14%-20.9pp | 17.11%-22.8pp | 41.46%-47.2pp |
| Employer contribution / active EE | $681 | $4,869-86.0% | $3,715-81.7% | $4,869-86.0% |
| Participant deferral / active EE | $1,886 | $6,598-71.4% | $5,696-66.9% | $5,287-64.3% |
| Admin fee / account holder | $1,789 | $7,493-76.1% | $5,517-67.6% | $10,133-82.3% |