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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 | $22,629 | $86,692-73.9% | $119,634-81.1% | $66,949-66.2% |
| Participation rate | 49.6% | 75.6%-26.0pp | 79.3%-29.6pp | 69.8%-20.2pp |
| Annual return | -19.04% | -8.00%-11.0pp | -14.98%-4.1pp | 1.57%-20.6pp |
| Employer contribution / active EE | $1,720 | $2,536-32.2% | $4,232-59.4% | $2,545-32.4% |
| Participant deferral / active EE | $3,326 | $4,360-23.7% | $5,601-40.6% | $4,239-21.5% |
| Admin fee / account holder | $1,093 | $755+44.8% | $10,329-89.4% | $594+84.1% |