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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 | $20,176 | $215,361-90.6% | $171,082-88.2% | $273,972-92.6% |
| Participation rate | 28.6% | 82.0%-53.5pp | 76.7%-48.1pp | 83.0%-54.4pp |
| Annual return | -16.28% | 25.14%-41.4pp | 32.56%-48.8pp | 41.46%-57.7pp |
| Employer contribution / active EE | $1,230 | $4,967-75.2% | $4,002-69.3% | $4,869-74.7% |
| Participant deferral / active EE | $6,176 | $5,543+11.4% | $4,797+28.7% | $5,287+16.8% |
| Admin fee / account holder | $2,897 | $10,846-73.3% | $8,520-66.0% | $10,133-71.4% |