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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 | $12,916 | $54,162-76.2% | $68,612-81.2% | $64,173-79.9% |
| Participation rate | 66.7% | 68.1%-1.4pp | 72.2%-5.6pp | 69.6%-2.9pp |
| Annual return | -9.69% | -1.62%-8.1pp | -4.63%-5.1pp | 7.63%-17.3pp |
| Employer contribution / active EE | $1,549 | $1,846-16.1% | $2,625-41.0% | $2,381-35.0% |
| Participant deferral / active EE | $2,560 | $2,626-2.5% | $3,311-22.7% | $3,470-26.2% |
| Admin fee / account holder | $2,277 | $4,029-43.5% | $5,131-55.6% | $4,887-53.4% |