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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 | $14,544 | $59,819-75.7% | $79,583-81.7% | $68,490-78.8% |
| Participation rate | 53.5% | 61.1%-7.6pp | 69.5%-16.0pp | 67.9%-14.4pp |
| Annual return | -20.18% | -12.30%-7.9pp | 0.16%-20.3pp | -7.85%-12.3pp |
| Employer contribution / active EE | $894 | $1,505-40.6% | $2,414-63.0% | $2,597-65.6% |
| Participant deferral / active EE | $4,733 | $3,025+56.5% | $3,986+18.8% | $4,028+17.5% |
| Admin fee / account holder | $902 | $4,835-81.4% | $6,835-86.8% | $5,403-83.3% |