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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 | $15,843 | $52,836-70.0% | $105,736-85.0% | $64,173-75.3% |
| Participation rate | 62.1% | 66.5%-4.5pp | 76.3%-14.3pp | 69.6%-7.5pp |
| Annual return | -9.56% | 14.30%-23.9pp | 6.27%-15.8pp | 7.63%-17.2pp |
| Employer contribution / active EE | $631 | $1,827-65.5% | $3,268-80.7% | $2,381-73.5% |
| Participant deferral / active EE | $1,326 | $2,545-47.9% | $4,080-67.5% | $3,470-61.8% |
| Admin fee / account holder | $558 | $3,959-85.9% | $6,913-91.9% | $4,887-88.6% |