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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 | $13,677 | $62,589-78.1% | $76,768-82.2% | $64,173-78.7% |
| Participation rate | 24.4% | 72.8%-48.4pp | 77.0%-52.5pp | 69.6%-45.1pp |
| Annual return | -10.23% | -1.95%-8.3pp | 2.43%-12.7pp | 7.63%-17.9pp |
| Employer contribution / active EE | $1,029 | $1,832-43.9% | $2,485-58.6% | $2,381-56.8% |
| Participant deferral / active EE | $2,446 | $3,145-22.2% | $3,852-36.5% | $3,470-29.5% |
| Admin fee / account holder | $3,360 | $4,667-28.0% | $6,675-49.7% | $4,887-31.3% |