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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 | $11,961 | $56,339-78.8% | $104,301-88.5% | $68,486-82.5% |
| Participation rate | 48.0% | 63.3%-15.3pp | 73.3%-25.3pp | 67.9%-19.9pp |
| Annual return | -21.35% | -9.19%-12.2pp | 24.61%-46.0pp | -7.85%-13.5pp |
| Employer contribution / active EE | $1,555 | $1,960-20.7% | $3,373-53.9% | $2,597-40.1% |
| Participant deferral / active EE | $3,169 | $3,077+3.0% | $4,626-31.5% | $4,028-21.3% |
| Admin fee / account holder | $1,658 | $4,902-66.2% | $7,340-77.4% | $5,404-69.3% |