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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 | $15,120 | $58,600-74.2% | $83,327-81.9% | $64,173-76.4% |
| Participation rate | 56.7% | 72.0%-15.4pp | 77.8%-21.1pp | 69.6%-12.9pp |
| Annual return | -10.62% | 9.66%-20.3pp | 10.64%-21.3pp | 7.63%-18.2pp |
| Employer contribution / active EE | $1,534 | $2,098-26.9% | $3,379-54.6% | $2,381-35.6% |
| Participant deferral / active EE | $2,270 | $4,656-51.2% | $5,565-59.2% | $3,470-34.6% |
| Admin fee / account holder | $5,949 | $9,282-35.9% | $7,540-21.1% | $4,887+21.7% |