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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 | $10,743 | $76,912-86.0% | $129,118-91.7% | $68,486-84.3% |
| Participation rate | 40.3% | 69.1%-28.8pp | 77.2%-36.9pp | 67.9%-27.6pp |
| Annual return | -21.92% | -9.78%-12.1pp | -10.94%-11.0pp | -7.85%-14.1pp |
| Employer contribution / active EE | $1,737 | $3,243-46.4% | $5,051-65.6% | $2,597-33.1% |
| Participant deferral / active EE | $3,230 | $4,732-31.7% | $6,539-50.6% | $4,028-19.8% |
| Admin fee / account holder | $3,249 | $6,638-51.1% | $14,305-77.3% | $5,404-39.9% |