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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 | $22,561 | $62,589-64.0% | $76,768-70.6% | $64,173-64.8% |
| Participation rate | 50.0% | 72.8%-22.8pp | 77.0%-27.0pp | 69.6%-19.6pp |
| Annual return | -10.20% | -1.95%-8.3pp | 2.43%-12.6pp | 7.63%-17.8pp |
| Employer contribution / active EE | $1,140 | $1,832-37.8% | $2,485-54.1% | $2,381-52.1% |
| Participant deferral / active EE | $2,283 | $3,145-27.4% | $3,852-40.7% | $3,470-34.2% |
| Admin fee / account holder | $3,626 | $4,667-22.3% | $6,675-45.7% | $4,887-25.8% |