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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 | $16,598 | $59,813-72.3% | $79,580-79.1% | $68,486-75.8% |
| Participation rate | 34.5% | 61.1%-26.6pp | 69.5%-35.0pp | 67.9%-33.4pp |
| Annual return | -20.44% | -12.30%-8.1pp | 0.15%-20.6pp | -7.85%-12.6pp |
| Employer contribution / active EE | $686 | $1,505-54.4% | $2,413-71.6% | $2,597-73.6% |
| Participant deferral / active EE | $1,987 | $3,024-34.3% | $3,985-50.1% | $4,028-50.7% |
| Admin fee / account holder | $538 | $4,835-88.9% | $6,835-92.1% | $5,404-90.0% |