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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 | $17,686 | $71,873-75.4% | $86,698-79.6% | $68,490-74.2% |
| Participation rate | 28.0% | 72.2%-44.2pp | 76.6%-48.6pp | 67.9%-39.9pp |
| Annual return | -26.62% | 3.54%-30.2pp | 35.96%-62.6pp | -7.85%-18.8pp |
| Employer contribution / active EE | $1,166 | $2,173-46.3% | $2,837-58.9% | $2,597-55.1% |
| Participant deferral / active EE | $2,633 | $3,779-30.3% | $4,656-43.5% | $4,028-34.6% |
| Admin fee / account holder | $316 | $6,110-94.8% | $7,492-95.8% | $5,403-94.1% |