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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 | $13,037 | $107,809-87.9% | $90,657-85.6% | $135,380-90.4% |
| Participation rate | 60.0% | 78.0%-18.0pp | 74.0%-14.0pp | 82.6%-22.6pp |
| Annual return | -11.06% | -0.90%-10.2pp | 1.89%-12.9pp | 519.81%-530.9pp |
| Employer contribution / active EE | $2,193 | $3,018-27.3% | $2,532-13.4% | $4,779-54.1% |
| Participant deferral / active EE | $3,806 | $3,872-1.7% | $3,424+11.1% | $5,609-32.1% |
| Admin fee / account holder | $1,800 | $5,931-69.7% | $4,994-64.0% | $10,828-83.4% |