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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 | $13,732 | $64,719-78.8% | $112,249-87.8% | $68,486-79.9% |
| Participation rate | 25.0% | 67.2%-42.2pp | 75.1%-50.1pp | 67.9%-42.9pp |
| Annual return | -37.42% | -11.40%-26.0pp | 27.48%-64.9pp | -7.85%-29.6pp |
| Employer contribution / active EE | $987 | $2,747-64.1% | $3,636-72.8% | $2,597-62.0% |
| Participant deferral / active EE | $1,911 | $3,565-46.4% | $4,729-59.6% | $4,028-52.5% |
| Admin fee / account holder | $758 | $5,232-85.5% | $6,412-88.2% | $5,404-86.0% |