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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 | $14,536 | $56,894-74.5% | $84,753-82.8% | $62,881-76.9% |
| Participation rate | 18.5% | 68.5%-50.0pp | 76.6%-58.1pp | 69.3%-50.8pp |
| Annual return | -5.50% | 6.30%-11.8pp | 22.78%-28.3pp | 20.14%-25.6pp |
| Employer contribution / active EE | $469 | $2,400-80.4% | $3,574-86.9% | $2,281-79.4% |
| Participant deferral / active EE | $1,382 | $2,709-49.0% | $3,712-62.8% | $3,203-56.9% |
| Admin fee / account holder | $1,863 | $3,581-48.0% | $5,333-65.1% | $4,296-56.6% |