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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 | $13,044 | $56,339-76.8% | $104,301-87.5% | $68,486-81.0% |
| Participation rate | 65.5% | 63.3%+2.3pp | 73.3%-7.8pp | 67.9%-2.4pp |
| Annual return | -82.28% | -9.19%-73.1pp | 24.61%-106.9pp | -7.85%-74.4pp |
| Employer contribution / active EE | $2,003 | $1,960+2.2% | $3,373-40.6% | $2,597-22.9% |
| Participant deferral / active EE | $3,563 | $3,077+15.8% | $4,626-23.0% | $4,028-11.5% |
| Admin fee / account holder | $2,222 | $4,902-54.7% | $7,340-69.7% | $5,404-58.9% |