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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 | $12,763 | $81,870-84.4% | $119,622-89.3% | $68,486-81.4% |
| Participation rate | 55.7% | 71.9%-16.2pp | 79.3%-23.6pp | 67.9%-12.2pp |
| Annual return | -19.57% | -23.82%+4.2pp | -14.98%-4.6pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,875 | $2,692-30.3% | $4,232-55.7% | $2,597-27.8% |
| Participant deferral / active EE | $3,316 | $4,148-20.1% | $5,601-40.8% | $4,028-17.7% |
| Admin fee / account holder | $726 | $6,583-89.0% | $10,328-93.0% | $5,404-86.6% |