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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 | $13,549 | $77,816-82.6% | $123,552-89.0% | $64,173-78.9% |
| Participation rate | 54.5% | 74.7%-20.2pp | 82.3%-27.7pp | 69.6%-15.0pp |
| Annual return | -8.88% | 12.49%-21.4pp | 119.20%-128.1pp | 7.63%-16.5pp |
| Employer contribution / active EE | $1,462 | $3,014-51.5% | $4,628-68.4% | $2,381-38.6% |
| Participant deferral / active EE | $2,440 | $5,240-53.4% | $6,426-62.0% | $3,470-29.7% |
| Admin fee / account holder | $469 | $5,519-91.5% | $9,285-95.0% | $4,887-90.4% |