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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 | $14,513 | $59,834-75.7% | $79,576-81.8% | $68,495-78.8% |
| Participation rate | 29.4% | 61.1%-31.7pp | 69.5%-40.1pp | 67.9%-38.5pp |
| Annual return | -22.20% | -12.30%-9.9pp | 0.15%-22.3pp | -7.84%-14.4pp |
| Employer contribution / active EE | $532 | $1,505-64.6% | $2,413-78.0% | $2,596-79.5% |
| Participant deferral / active EE | $1,538 | $3,024-49.1% | $3,985-61.4% | $4,028-61.8% |
| Admin fee / account holder | $379 | $4,835-92.2% | $6,834-94.4% | $5,403-93.0% |