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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 | $20,381 | $215,361-90.5% | $171,082-88.1% | $273,972-92.6% |
| Participation rate | 15.4% | 82.0%-66.6pp | 76.7%-61.3pp | 83.0%-67.6pp |
| Annual return | -26.01% | 25.14%-51.1pp | 32.56%-58.6pp | 41.46%-67.5pp |
| Employer contribution / active EE | $456 | $4,967-90.8% | $4,002-88.6% | $4,869-90.6% |
| Participant deferral / active EE | $2,120 | $5,543-61.8% | $4,797-55.8% | $5,287-59.9% |
| Admin fee / account holder | $2,212 | $10,846-79.6% | $8,520-74.0% | $10,133-78.2% |