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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 | $13,293 | $77,816-82.9% | $123,549-89.2% | $64,181-79.3% |
| Participation rate | 56.8% | 74.7%-17.9pp | 82.3%-25.5pp | 69.6%-12.8pp |
| Annual return | -11.95% | 12.49%-24.4pp | 119.20%-131.2pp | 7.63%-19.6pp |
| Employer contribution / active EE | $1,031 | $3,014-65.8% | $4,628-77.7% | $2,381-56.7% |
| Participant deferral / active EE | $2,285 | $5,240-56.4% | $6,426-64.4% | $3,470-34.2% |
| Admin fee / account holder | $456 | $5,519-91.7% | $9,284-95.1% | $4,887-90.7% |