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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 | $18,314 | $71,878-74.5% | $86,698-78.9% | $68,486-73.3% |
| Participation rate | 35.7% | 72.2%-36.5pp | 76.6%-40.9pp | 67.9%-32.2pp |
| Annual return | -19.47% | 3.53%-23.0pp | 35.95%-55.4pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,143 | $2,173-47.4% | $2,837-59.7% | $2,597-56.0% |
| Participant deferral / active EE | $1,778 | $3,779-52.9% | $4,656-61.8% | $4,028-55.8% |
| Admin fee / account holder | $1,530 | $6,113-75.0% | $7,493-79.6% | $5,404-71.7% |