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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 | $19,957 | $77,816-74.4% | $123,552-83.8% | $64,173-68.9% |
| Participation rate | 56.1% | 74.7%-18.6pp | 82.3%-26.2pp | 69.6%-13.5pp |
| Annual return | -9.55% | 12.49%-22.0pp | 119.20%-128.8pp | 7.63%-17.2pp |
| Employer contribution / active EE | $1,725 | $3,014-42.8% | $4,628-62.7% | $2,381-27.6% |
| Participant deferral / active EE | $3,078 | $5,240-41.3% | $6,426-52.1% | $3,470-11.3% |
| Admin fee / account holder | $1,522 | $5,519-72.4% | $9,285-83.6% | $4,887-68.9% |