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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 | $15,854 | $71,480-77.8% | $90,782-82.5% | $64,173-75.3% |
| Participation rate | 36.1% | 77.6%-41.5pp | 82.7%-46.5pp | 69.6%-33.5pp |
| Annual return | -9.88% | -4.25%-5.6pp | -3.42%-6.5pp | 7.63%-17.5pp |
| Employer contribution / active EE | $835 | $3,415-75.5% | $4,105-79.7% | $2,381-64.9% |
| Participant deferral / active EE | $2,434 | $4,302-43.4% | $5,366-54.6% | $3,470-29.8% |
| Admin fee / account holder | $1,739 | $6,309-72.4% | $5,908-70.6% | $4,887-64.4% |