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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 | $23,858 | $81,870-70.9% | $119,622-80.1% | $68,486-65.2% |
| Participation rate | 35.2% | 71.9%-36.7pp | 79.3%-44.1pp | 67.9%-32.7pp |
| Annual return | -20.45% | -23.82%+3.4pp | -14.98%-5.5pp | -7.85%-12.6pp |
| Employer contribution / active EE | $830 | $2,692-69.2% | $4,232-80.4% | $2,597-68.0% |
| Participant deferral / active EE | $2,316 | $4,148-44.2% | $5,601-58.7% | $4,028-42.5% |
| Admin fee / account holder | $1,945 | $6,583-70.4% | $10,328-81.2% | $5,404-64.0% |