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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 | $17,815 | $81,870-78.2% | $119,608-85.1% | $68,495-74.0% |
| Participation rate | 51.4% | 71.9%-20.5pp | 79.3%-27.8pp | 67.9%-16.5pp |
| Annual return | -20.17% | -23.82%+3.6pp | -14.98%-5.2pp | -7.84%-12.3pp |
| Employer contribution / active EE | $1,051 | $2,692-61.0% | $4,232-75.2% | $2,596-59.5% |
| Participant deferral / active EE | $1,983 | $4,148-52.2% | $5,601-64.6% | $4,028-50.8% |
| Admin fee / account holder | $366 | $6,583-94.4% | $10,326-96.5% | $5,403-93.2% |