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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 | $14,023 | $45,825-69.4% | $90,657-84.5% | $56,287-75.1% |
| Participation rate | 60.0% | 66.7%-6.7pp | 74.0%-14.0pp | 69.9%-9.9pp |
| Annual return | -8.92% | 38.64%-47.6pp | 1.89%-10.8pp | -9.96%+1.0pp |
| Employer contribution / active EE | $812 | $1,372-40.8% | $2,532-67.9% | $2,111-61.5% |
| Participant deferral / active EE | $1,168 | $2,562-54.4% | $3,424-65.9% | $3,350-65.1% |
| Admin fee / account holder | $976 | $413+136.5% | $4,994-80.5% | $521+87.3% |