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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 | $16,791 | $73,009-77.0% | $90,760-81.5% | $68,486-75.5% |
| Participation rate | 19.0% | 70.8%-51.8pp | 75.7%-56.6pp | 67.9%-48.8pp |
| Annual return | -33.65% | -13.81%-19.8pp | -12.16%-21.5pp | -7.85%-25.8pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,731 | $3,626-52.3% | $4,565-62.1% | $4,028-57.0% |
| Admin fee / account holder | $2,141 | $5,896-63.7% | $8,444-74.6% | $5,404-60.4% |