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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 | $14,538 | $62,583-76.8% | $76,767-81.1% | $64,173-77.3% |
| Participation rate | 54.5% | 72.8%-18.3pp | 77.0%-22.4pp | 69.6%-15.0pp |
| Annual return | -10.10% | -1.95%-8.2pp | 2.43%-12.5pp | 7.63%-17.7pp |
| Employer contribution / active EE | $1,921 | $1,832+4.8% | $2,485-22.7% | $2,381-19.3% |
| Participant deferral / active EE | $2,858 | $3,145-9.1% | $3,852-25.8% | $3,470-17.6% |
| Admin fee / account holder | $380 | $4,667-91.8% | $6,675-94.3% | $4,887-92.2% |