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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 | $15,444 | $61,660-75.0% | $80,022-80.7% | $64,173-75.9% |
| Participation rate | 61.1% | 71.7%-10.6pp | 75.8%-14.7pp | 69.6%-8.5pp |
| Annual return | -9.00% | -0.33%-8.7pp | 11.22%-20.2pp | 7.63%-16.6pp |
| Employer contribution / active EE | $925 | $1,810-48.9% | $2,468-62.5% | $2,381-61.1% |
| Participant deferral / active EE | $1,756 | $2,968-40.8% | $3,686-52.4% | $3,470-49.4% |
| Admin fee / account holder | $1,392 | $5,417-74.3% | $6,521-78.7% | $4,887-71.5% |