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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 | $16,802 | $64,716-74.0% | $112,258-85.0% | $68,495-75.5% |
| Participation rate | 39.4% | 67.2%-27.8pp | 75.1%-35.7pp | 67.9%-28.5pp |
| Annual return | -22.76% | -11.40%-11.4pp | 27.47%-50.2pp | -7.84%-14.9pp |
| Employer contribution / active EE | $1,111 | $2,746-59.6% | $3,636-69.4% | $2,596-57.2% |
| Participant deferral / active EE | $2,287 | $3,565-35.9% | $4,728-51.6% | $4,028-43.2% |
| Admin fee / account holder | $1,059 | $5,232-79.8% | $6,411-83.5% | $5,403-80.4% |