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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 | $14,389 | $64,716-77.8% | $112,258-87.2% | $68,495-79.0% |
| Participation rate | 65.6% | 67.2%-1.5pp | 75.1%-9.4pp | 67.9%-2.3pp |
| Annual return | -22.57% | -11.40%-11.2pp | 27.47%-50.0pp | -7.84%-14.7pp |
| Employer contribution / active EE | $2,172 | $2,746-20.9% | $3,636-40.2% | $2,596-16.3% |
| Participant deferral / active EE | $3,360 | $3,565-5.7% | $4,728-28.9% | $4,028-16.6% |
| Admin fee / account holder | $2,068 | $5,232-60.5% | $6,411-67.7% | $5,403-61.7% |