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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 | $18,875 | $81,870-76.9% | $119,608-84.2% | $68,495-72.4% |
| Participation rate | 49.2% | 71.9%-22.7pp | 79.3%-30.1pp | 67.9%-18.7pp |
| Annual return | -21.45% | -23.82%+2.4pp | -14.98%-6.5pp | -7.84%-13.6pp |
| Employer contribution / active EE | $1,240 | $2,692-53.9% | $4,232-70.7% | $2,596-52.2% |
| Participant deferral / active EE | $2,954 | $4,148-28.8% | $5,601-47.3% | $4,028-26.7% |
| Admin fee / account holder | $1,194 | $6,583-81.9% | $10,326-88.4% | $5,403-77.9% |