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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 | $12,161 | $81,870-85.1% | $119,622-89.8% | $68,486-82.2% |
| Participation rate | 38.5% | 71.9%-33.4pp | 79.3%-40.8pp | 67.9%-29.4pp |
| Annual return | -26.70% | -23.82%-2.9pp | -14.98%-11.7pp | -7.85%-18.8pp |
| Employer contribution / active EE | $1,373 | $2,692-49.0% | $4,232-67.6% | $2,597-47.1% |
| Participant deferral / active EE | $3,027 | $4,148-27.0% | $5,601-46.0% | $4,028-24.8% |
| Admin fee / account holder | $937 | $6,583-85.8% | $10,328-90.9% | $5,404-82.7% |