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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 | $14,580 | $64,719-77.5% | $112,249-87.0% | $68,486-78.7% |
| Participation rate | 37.1% | 67.2%-30.1pp | 75.1%-38.0pp | 67.9%-30.8pp |
| Annual return | -24.70% | -11.40%-13.3pp | 27.48%-52.2pp | -7.85%-16.8pp |
| Employer contribution / active EE | $892 | $2,747-67.5% | $3,636-75.5% | $2,597-65.7% |
| Participant deferral / active EE | $1,657 | $3,565-53.5% | $4,729-65.0% | $4,028-58.8% |
| Admin fee / account holder | $702 | $5,232-86.6% | $6,412-89.1% | $5,404-87.0% |