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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 | $13,277 | $62,586-78.8% | $76,766-82.7% | $64,181-79.3% |
| Participation rate | 51.4% | 72.8%-21.4pp | 77.0%-25.5pp | 69.6%-18.1pp |
| Annual return | -25.78% | -1.95%-23.8pp | 2.43%-28.2pp | 7.63%-33.4pp |
| Employer contribution / active EE | $1,100 | $1,832-40.0% | $2,485-55.7% | $2,381-53.8% |
| Participant deferral / active EE | $2,273 | $3,145-27.7% | $3,851-41.0% | $3,470-34.5% |
| Admin fee / account holder | $1,491 | $4,667-68.0% | $6,675-77.7% | $4,887-69.5% |