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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 | $8,276 | $59,813-86.2% | $79,580-89.6% | $68,486-87.9% |
| Participation rate | 52.4% | 61.1%-8.6pp | 69.5%-17.0pp | 67.9%-15.5pp |
| Annual return | -29.13% | -12.30%-16.8pp | 0.15%-29.3pp | -7.85%-21.3pp |
| Employer contribution / active EE | $1,349 | $1,505-10.4% | $2,413-44.1% | $2,597-48.0% |
| Participant deferral / active EE | $1,874 | $3,024-38.0% | $3,985-53.0% | $4,028-53.5% |
| Admin fee / account holder | $608 | $4,835-87.4% | $6,835-91.1% | $5,404-88.8% |