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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 | $12,442 | $64,716-80.8% | $112,258-88.9% | $68,495-81.8% |
| Participation rate | 42.9% | 67.2%-24.3pp | 75.1%-32.2pp | 67.9%-25.0pp |
| Annual return | -19.80% | -11.40%-8.4pp | 27.47%-47.3pp | -7.84%-12.0pp |
| Employer contribution / active EE | $959 | $2,746-65.1% | $3,636-73.6% | $2,596-63.1% |
| Participant deferral / active EE | $2,483 | $3,565-30.3% | $4,728-47.5% | $4,028-38.3% |
| Admin fee / account holder | $675 | $5,232-87.1% | $6,411-89.5% | $5,403-87.5% |