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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 | $17,165 | $83,908-79.5% | $68,509-74.9% | $125,389-86.3% |
| Participation rate | 53.3% | 78.2%-24.8pp | 74.7%-21.4pp | 83.2%-29.9pp |
| Annual return | -12.17% | 14.48%-26.6pp | 8.27%-20.4pp | 282.24%-294.4pp |
| Employer contribution / active EE | $1,984 | $3,031-34.5% | $2,278-12.9% | $4,866-59.2% |
| Participant deferral / active EE | $2,178 | $4,125-47.2% | $3,382-35.6% | $5,352-59.3% |
| Admin fee / account holder | $1,385 | $8,982-84.6% | $5,275-73.7% | $9,541-85.5% |