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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 | $8,750 | $42,383-79.4% | $76,518-88.6% | $64,173-86.4% |
| Participation rate | 56.4% | 58.1%-1.8pp | 68.0%-11.6pp | 69.6%-13.2pp |
| Annual return | -21.30% | -16.54%-4.8pp | -0.27%-21.0pp | 7.63%-28.9pp |
| Employer contribution / active EE | $1,113 | $1,563-28.8% | $2,647-57.9% | $2,381-53.2% |
| Participant deferral / active EE | $1,994 | $2,566-22.3% | $3,836-48.0% | $3,470-42.5% |
| Admin fee / account holder | $441 | $3,198-86.2% | $4,849-90.9% | $4,887-91.0% |