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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 | $18,043 | $48,313-62.7% | $73,309-75.4% | $52,331-65.5% |
| Participation rate | 68.9% | 68.6%+0.4pp | 74.9%-6.0pp | 68.1%+0.8pp |
| Annual return | -1.84% | 3.85%-5.7pp | 5.67%-7.5pp | 4.54%-6.4pp |
| Employer contribution / active EE | $2,775 | $1,661+67.1% | $3,237-14.3% | $1,882+47.5% |
| Participant deferral / active EE | $5,860 | $4,189+39.9% | $4,991+17.4% | $3,022+93.9% |
| Admin fee / account holder | $2,537 | $404+528.2% | $5,635-55.0% | $592+328.9% |