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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 | $15,375 | $71,480-78.5% | $90,782-83.1% | $64,181-76.0% |
| Participation rate | 38.8% | 77.6%-38.8pp | 82.7%-43.9pp | 69.6%-30.8pp |
| Annual return | -7.83% | -4.25%-3.6pp | -3.42%-4.4pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,321 | $3,415-61.3% | $4,105-67.8% | $2,381-44.5% |
| Participant deferral / active EE | $2,036 | $4,302-52.7% | $5,366-62.1% | $3,470-41.3% |
| Admin fee / account holder | $680 | $6,309-89.2% | $5,908-88.5% | $4,887-86.1% |