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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 | $15,095 | $64,719-76.7% | $112,249-86.6% | $68,486-78.0% |
| Participation rate | 46.7% | 67.2%-20.5pp | 75.1%-28.4pp | 67.9%-21.2pp |
| Annual return | -27.07% | -11.40%-15.7pp | 27.48%-54.6pp | -7.85%-19.2pp |
| Employer contribution / active EE | $1,210 | $2,747-55.9% | $3,636-66.7% | $2,597-53.4% |
| Participant deferral / active EE | $3,922 | $3,565+10.0% | $4,729-17.1% | $4,028-2.6% |
| Admin fee / account holder | $683 | $5,232-86.9% | $6,412-89.3% | $5,404-87.4% |