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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 | $25,556 | $87,106-70.7% | $105,607-75.8% | $80,935-68.4% |
| Participation rate | 65.5% | 70.4%-4.9pp | 75.3%-9.8pp | 67.7%-2.1pp |
| Annual return | -2.77% | 17.01%-19.8pp | 116.11%-118.9pp | 35.66%-38.4pp |
| Employer contribution / active EE | $1,427 | $2,396-40.4% | $3,167-54.9% | $2,757-48.2% |
| Participant deferral / active EE | $3,645 | $3,986-8.6% | $5,011-27.3% | $4,299-15.2% |
| Admin fee / account holder | $1,679 | $8,447-80.1% | $10,958-84.7% | $6,924-75.8% |