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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 | $11,136 | $50,464-77.9% | $75,784-85.3% | $52,331-78.7% |
| Participation rate | 49.0% | 66.8%-17.8pp | 75.8%-26.8pp | 68.1%-19.1pp |
| Annual return | -4.27% | 1.03%-5.3pp | 9.68%-13.9pp | 4.54%-8.8pp |
| Employer contribution / active EE | $1,206 | $1,988-39.4% | $3,323-63.7% | $1,882-35.9% |
| Participant deferral / active EE | $1,834 | $2,570-28.7% | $3,652-49.8% | $3,022-39.3% |
| Admin fee / account holder | $351 | $1,103-68.2% | $5,300-93.4% | $592-40.7% |