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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 | $12,828 | $59,813-78.6% | $79,580-83.9% | $68,486-81.3% |
| Participation rate | 38.6% | 61.1%-22.4pp | 69.5%-30.9pp | 67.9%-29.3pp |
| Annual return | -20.36% | -12.30%-8.1pp | 0.15%-20.5pp | -7.85%-12.5pp |
| Employer contribution / active EE | $1,118 | $1,505-25.7% | $2,413-53.7% | $2,597-56.9% |
| Participant deferral / active EE | $2,063 | $3,024-31.8% | $3,985-48.2% | $4,028-48.8% |
| Admin fee / account holder | $2,640 | $4,835-45.4% | $6,835-61.4% | $5,404-51.1% |