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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 | $17,260 | $59,186-70.8% | $76,768-77.5% | $56,287-69.3% |
| Participation rate | 65.0% | 75.2%-10.3pp | 77.0%-12.0pp | 69.9%-4.9pp |
| Annual return | -8.20% | 6.62%-14.8pp | 2.43%-10.6pp | -9.96%+1.8pp |
| Employer contribution / active EE | $1,039 | $1,759-40.9% | $2,485-58.2% | $2,111-50.8% |
| Participant deferral / active EE | $1,918 | $3,255-41.1% | $3,852-50.2% | $3,350-42.7% |
| Admin fee / account holder | $1,424 | $489+191.2% | $6,675-78.7% | $521+173.4% |