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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 | $21,989 | $59,191-62.9% | $76,767-71.4% | $56,289-60.9% |
| Participation rate | 43.1% | 75.2%-32.1pp | 77.0%-33.9pp | 69.9%-26.8pp |
| Annual return | -9.65% | 6.62%-16.3pp | 2.43%-12.1pp | -9.96%+0.3pp |
| Employer contribution / active EE | $1,186 | $1,759-32.5% | $2,485-52.3% | $2,111-43.8% |
| Participant deferral / active EE | $2,235 | $3,255-31.4% | $3,852-42.0% | $3,350-33.3% |
| Admin fee / account holder | $1,116 | $489+128.2% | $6,675-83.3% | $521+114.3% |