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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 | $11,760 | $49,471-76.2% | $79,583-85.2% | $66,949-82.4% |
| Participation rate | 27.7% | 61.4%-33.6pp | 69.5%-41.8pp | 69.8%-42.1pp |
| Annual return | -24.51% | 84.30%-108.8pp | 0.16%-24.7pp | 1.57%-26.1pp |
| Employer contribution / active EE | $1,019 | $1,266-19.5% | $2,414-57.8% | $2,545-60.0% |
| Participant deferral / active EE | $1,638 | $3,160-48.2% | $3,986-58.9% | $4,239-61.4% |
| Admin fee / account holder | $718 | $595+20.8% | $6,835-89.5% | $594+21.0% |