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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 | $20,285 | $73,009-72.2% | $90,760-77.7% | $68,486-70.4% |
| Participation rate | 59.5% | 70.8%-11.4pp | 75.7%-16.2pp | 67.9%-8.4pp |
| Annual return | -18.94% | -13.81%-5.1pp | -12.16%-6.8pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,597 | $2,193-27.1% | $2,922-45.3% | $2,597-38.5% |
| Participant deferral / active EE | $2,767 | $3,626-23.7% | $4,565-39.4% | $4,028-31.3% |
| Admin fee / account holder | $1,022 | $5,896-82.7% | $8,444-87.9% | $5,404-81.1% |