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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 | $10,889 | $73,009-85.1% | $90,756-88.0% | $68,495-84.1% |
| Participation rate | 42.4% | 70.8%-28.4pp | 75.7%-33.3pp | 67.9%-25.5pp |
| Annual return | -19.10% | -13.81%-5.3pp | -12.16%-6.9pp | -7.84%-11.3pp |
| Employer contribution / active EE | $599 | $2,193-72.7% | $2,922-79.5% | $2,596-76.9% |
| Participant deferral / active EE | $1,995 | $3,626-45.0% | $4,565-56.3% | $4,028-50.5% |
| Admin fee / account holder | $1,056 | $5,896-82.1% | $8,445-87.5% | $5,403-80.4% |