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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 | $17,646 | $81,870-78.4% | $119,608-85.2% | $68,495-74.2% |
| Participation rate | 63.3% | 71.9%-8.6pp | 79.3%-15.9pp | 67.9%-4.6pp |
| Annual return | -24.17% | -23.82%-0.4pp | -14.98%-9.2pp | -7.84%-16.3pp |
| Employer contribution / active EE | $1,637 | $2,692-39.2% | $4,232-61.3% | $2,596-36.9% |
| Participant deferral / active EE | $4,597 | $4,148+10.8% | $5,601-17.9% | $4,028+14.1% |
| Admin fee / account holder | $1,624 | $6,583-75.3% | $10,326-84.3% | $5,403-70.0% |