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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 | $11,735 | $76,551-84.7% | $123,894-90.5% | $62,881-81.3% |
| Participation rate | 62.1% | 73.0%-10.9pp | 81.4%-19.3pp | 69.3%-7.2pp |
| Annual return | -43.30% | 18.68%-62.0pp | 47.52%-90.8pp | 20.14%-63.4pp |
| Employer contribution / active EE | $2,900 | $2,882+0.6% | $4,617-37.2% | $2,281+27.1% |
| Participant deferral / active EE | $4,641 | $4,840-4.1% | $5,984-22.4% | $3,203+44.9% |
| Admin fee / account holder | $4,439 | $4,826-8.0% | $8,357-46.9% | $4,296+3.3% |