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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 | $15,664 | $62,583-75.0% | $76,767-79.6% | $64,173-75.6% |
| Participation rate | 53.5% | 72.8%-19.3pp | 77.0%-23.5pp | 69.6%-16.1pp |
| Annual return | -14.77% | -1.95%-12.8pp | 2.43%-17.2pp | 7.63%-22.4pp |
| Employer contribution / active EE | $943 | $1,832-48.5% | $2,485-62.1% | $2,381-60.4% |
| Participant deferral / active EE | $2,106 | $3,145-33.0% | $3,852-45.3% | $3,470-39.3% |
| Admin fee / account holder | $1,215 | $4,667-74.0% | $6,675-81.8% | $4,887-75.1% |