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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 | $9,037 | $62,589-85.6% | $76,768-88.2% | $64,173-85.9% |
| Participation rate | 60.0% | 72.8%-12.8pp | 77.0%-17.0pp | 69.6%-9.6pp |
| Annual return | -25.42% | -1.95%-23.5pp | 2.43%-27.8pp | 7.63%-33.0pp |
| Employer contribution / active EE | $1,047 | $1,832-42.8% | $2,485-57.9% | $2,381-56.0% |
| Participant deferral / active EE | $3,696 | $3,145+17.5% | $3,852-4.0% | $3,470+6.5% |
| Admin fee / account holder | $782 | $4,667-83.3% | $6,675-88.3% | $4,887-84.0% |