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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 | $11,637 | $56,484-79.4% | $169,452-93.1% | $64,173-81.9% |
| Participation rate | 35.1% | 64.5%-29.4pp | 77.8%-42.6pp | 69.6%-34.4pp |
| Annual return | -13.25% | -1.55%-11.7pp | 1.83%-15.1pp | 7.63%-20.9pp |
| Employer contribution / active EE | $569 | $1,832-69.0% | $4,157-86.3% | $2,381-76.1% |
| Participant deferral / active EE | $1,805 | $3,448-47.6% | $5,277-65.8% | $3,470-48.0% |
| Admin fee / account holder | $1,104 | $4,174-73.5% | $9,110-87.9% | $4,887-77.4% |