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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 | $14,518 | $59,819-75.7% | $79,583-81.8% | $68,490-78.8% |
| Participation rate | 28.4% | 61.1%-32.7pp | 69.5%-41.1pp | 67.9%-39.5pp |
| Annual return | -20.64% | -12.30%-8.3pp | 0.16%-20.8pp | -7.85%-12.8pp |
| Employer contribution / active EE | $651 | $1,505-56.8% | $2,414-73.0% | $2,597-74.9% |
| Participant deferral / active EE | $1,451 | $3,025-52.0% | $3,986-63.6% | $4,028-64.0% |
| Admin fee / account holder | $1,204 | $4,835-75.1% | $6,835-82.4% | $5,403-77.7% |