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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 | $17,796 | $77,817-77.1% | $123,553-85.6% | $64,173-72.3% |
| Participation rate | 55.8% | 74.7%-18.9pp | 82.3%-26.5pp | 69.6%-13.8pp |
| Annual return | -10.96% | 12.49%-23.4pp | 119.21%-130.2pp | 7.63%-18.6pp |
| Employer contribution / active EE | $1,232 | $3,014-59.1% | $4,628-73.4% | $2,381-48.3% |
| Participant deferral / active EE | $2,884 | $5,240-45.0% | $6,426-55.1% | $3,470-16.9% |
| Admin fee / account holder | $1,191 | $5,519-78.4% | $9,284-87.2% | $4,887-75.6% |