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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 | $15,360 | $74,535-79.4% | $100,712-84.7% | $82,637-81.4% |
| Participation rate | 19.0% | 61.2%-42.1pp | 69.3%-50.2pp | 68.1%-49.0pp |
| Annual return | -45.01% | 18.92%-63.9pp | 33.27%-78.3pp | 53.51%-98.5pp |
| Employer contribution / active EE | $440 | $1,503-70.7% | $2,313-81.0% | $2,552-82.8% |
| Participant deferral / active EE | $1,547 | $3,074-49.7% | $4,085-62.1% | $4,126-62.5% |
| Admin fee / account holder | $5,867 | $6,576-10.8% | $9,256-36.6% | $7,339-20.0% |