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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 | $15,870 | $59,813-73.5% | $79,580-80.1% | $68,486-76.8% |
| Participation rate | 58.6% | 61.1%-2.4pp | 69.5%-10.9pp | 67.9%-9.3pp |
| Annual return | -19.97% | -12.30%-7.7pp | 0.15%-20.1pp | -7.85%-12.1pp |
| Employer contribution / active EE | $1,582 | $1,505+5.1% | $2,413-34.4% | $2,597-39.1% |
| Participant deferral / active EE | $3,052 | $3,024+0.9% | $3,985-23.4% | $4,028-24.2% |
| Admin fee / account holder | $664 | $4,835-86.3% | $6,835-90.3% | $5,404-87.7% |