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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 | $11,553 | $49,280-76.6% | $67,313-82.8% | $64,181-82.0% |
| Participation rate | 51.4% | 60.8%-9.4pp | 69.1%-17.7pp | 69.6%-18.1pp |
| Annual return | -10.67% | -1.39%-9.3pp | -4.08%-6.6pp | 7.63%-18.3pp |
| Employer contribution / active EE | $1,289 | $1,668-22.7% | $2,566-49.8% | $2,381-45.8% |
| Participant deferral / active EE | $1,643 | $2,484-33.8% | $3,568-53.9% | $3,470-52.6% |
| Admin fee / account holder | $487 | $3,863-87.4% | $4,507-89.2% | $4,887-90.0% |