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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 | $17,029 | $77,817-78.1% | $123,553-86.2% | $64,173-73.5% |
| Participation rate | 57.6% | 74.7%-17.1pp | 82.3%-24.7pp | 69.6%-12.0pp |
| Annual return | -10.80% | 12.49%-23.3pp | 119.21%-130.0pp | 7.63%-18.4pp |
| Employer contribution / active EE | $1,697 | $3,014-43.7% | $4,628-63.3% | $2,381-28.7% |
| Participant deferral / active EE | $3,337 | $5,240-36.3% | $6,426-48.1% | $3,470-3.8% |
| Admin fee / account holder | $816 | $5,519-85.2% | $9,284-91.2% | $4,887-83.3% |