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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 | $12,447 | $73,102-83.0% | $123,552-89.9% | $56,287-77.9% |
| Participation rate | 63.4% | 74.3%-10.9pp | 82.3%-18.9pp | 69.9%-6.5pp |
| Annual return | -11.20% | 3.01%-14.2pp | 119.20%-130.4pp | -9.96%-1.2pp |
| Employer contribution / active EE | $1,340 | $2,977-55.0% | $4,628-71.1% | $2,111-36.5% |
| Participant deferral / active EE | $3,401 | $5,423-37.3% | $6,426-47.1% | $3,350+1.5% |
| Admin fee / account holder | $302 | $554-45.4% | $9,285-96.7% | $521-42.0% |