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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 | $18,306 | $50,947-64.1% | $74,551-75.4% | $64,173-71.5% |
| Participation rate | 37.0% | 61.1%-24.1pp | 69.1%-32.2pp | 69.6%-32.6pp |
| Annual return | -8.27% | -1.85%-6.4pp | 32.53%-40.8pp | 7.63%-15.9pp |
| Employer contribution / active EE | $657 | $1,115-41.1% | $1,961-66.5% | $2,381-72.4% |
| Participant deferral / active EE | $1,801 | $2,302-21.8% | $3,108-42.1% | $3,470-48.1% |
| Admin fee / account holder | $2,892 | $4,221-31.5% | $5,059-42.8% | $4,887-40.8% |