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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 | $20,382 | $72,404-71.9% | $110,243-81.5% | $64,173-68.2% |
| Participation rate | 46.9% | 73.3%-26.5pp | 79.8%-32.9pp | 69.6%-22.7pp |
| Annual return | -7.90% | -6.29%-1.6pp | 314.76%-322.7pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,411 | $2,282-38.1% | $3,827-63.1% | $2,381-40.7% |
| Participant deferral / active EE | $1,766 | $3,469-49.1% | $4,672-62.2% | $3,470-49.1% |
| Admin fee / account holder | $995 | $5,664-82.4% | $8,548-88.4% | $4,887-79.6% |