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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 | $13,003 | $67,606-80.8% | $82,313-84.2% | $70,124-81.5% |
| Participation rate | 21.1% | 72.8%-51.7pp | 76.9%-55.8pp | 69.5%-48.5pp |
| Annual return | -38.97% | 21.57%-60.5pp | 25.88%-64.8pp | 73.14%-112.1pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,086 | $2,987-30.2% | $3,706-43.7% | $3,332-37.4% |
| Admin fee / account holder | $3,480 | $4,512-22.9% | $5,608-37.9% | $4,645-25.1% |