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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 | $18,610 | $99,032-81.2% | $80,022-76.7% | $135,380-86.3% |
| Participation rate | 56.5% | 78.4%-21.8pp | 75.8%-19.3pp | 82.6%-26.1pp |
| Annual return | -11.11% | 15.39%-26.5pp | 11.22%-22.3pp | 519.81%-530.9pp |
| Employer contribution / active EE | $685 | $3,043-77.5% | $2,468-72.3% | $4,779-85.7% |
| Participant deferral / active EE | $2,093 | $4,282-51.1% | $3,686-43.2% | $5,609-62.7% |
| Admin fee / account holder | $832 | $10,436-92.0% | $6,521-87.2% | $10,828-92.3% |