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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 | $16,184 | $64,729-75.0% | $112,263-85.6% | $68,490-76.4% |
| Participation rate | 28.6% | 67.2%-38.6pp | 75.1%-46.5pp | 67.9%-39.3pp |
| Annual return | -22.58% | -11.40%-11.2pp | 27.49%-50.1pp | -7.85%-14.7pp |
| Employer contribution / active EE | $1,222 | $2,746-55.5% | $3,636-66.4% | $2,597-52.9% |
| Participant deferral / active EE | $1,723 | $3,566-51.7% | $4,729-63.6% | $4,028-57.2% |
| Admin fee / account holder | $2,001 | $5,222-61.7% | $6,410-68.8% | $5,403-63.0% |