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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 | $17,354 | $62,589-72.3% | $76,768-77.4% | $64,173-73.0% |
| Participation rate | 60.3% | 72.8%-12.5pp | 77.0%-16.7pp | 69.6%-9.3pp |
| Annual return | -14.10% | -1.95%-12.2pp | 2.43%-16.5pp | 7.63%-21.7pp |
| Employer contribution / active EE | $1,556 | $1,832-15.1% | $2,485-37.4% | $2,381-34.6% |
| Participant deferral / active EE | $4,313 | $3,145+37.2% | $3,852+12.0% | $3,470+24.3% |
| Admin fee / account holder | $394 | $4,667-91.6% | $6,675-94.1% | $4,887-91.9% |