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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 | $9,424 | $72,177-86.9% | $115,038-91.8% | $59,633-84.2% |
| Participation rate | 69.0% | 72.6%-3.6pp | 81.4%-12.4pp | 68.7%+0.3pp |
| Annual return | -3.58% | 12.02%-15.6pp | 26.14%-29.7pp | 2041.45%-2045.0pp |
| Employer contribution / active EE | $2,015 | $2,841-29.1% | $4,608-56.3% | $2,203-8.5% |
| Participant deferral / active EE | $2,689 | $4,783-43.8% | $6,026-55.4% | $3,192-15.8% |
| Admin fee / account holder | $401 | $4,927-91.9% | $8,175-95.1% | $4,297-90.7% |