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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 | $11,114 | $50,947-78.2% | $74,551-85.1% | $64,173-82.7% |
| Participation rate | 49.2% | 61.1%-11.8pp | 69.1%-19.9pp | 69.6%-20.3pp |
| Annual return | -8.33% | -1.85%-6.5pp | 32.53%-40.9pp | 7.63%-16.0pp |
| Employer contribution / active EE | $449 | $1,115-59.8% | $1,961-77.1% | $2,381-81.2% |
| Participant deferral / active EE | $1,037 | $2,302-55.0% | $3,108-66.7% | $3,470-70.1% |
| Admin fee / account holder | $1,595 | $4,221-62.2% | $5,059-68.5% | $4,887-67.4% |