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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 | $14,077 | $62,583-77.5% | $76,767-81.7% | $64,173-78.1% |
| Participation rate | 63.6% | 72.8%-9.2pp | 77.0%-13.3pp | 69.6%-5.9pp |
| Annual return | -8.26% | -1.95%-6.3pp | 2.43%-10.7pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,071 | $1,832-41.5% | $2,485-56.9% | $2,381-55.0% |
| Participant deferral / active EE | $2,240 | $3,145-28.8% | $3,852-41.9% | $3,470-35.5% |
| Admin fee / account holder | $623 | $4,667-86.7% | $6,675-90.7% | $4,887-87.3% |