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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 | $13,565 | $73,009-81.4% | $90,756-85.1% | $68,495-80.2% |
| Participation rate | 43.8% | 70.8%-27.1pp | 75.7%-31.9pp | 67.9%-24.1pp |
| Annual return | -19.91% | -13.81%-6.1pp | -12.16%-7.8pp | -7.84%-12.1pp |
| Employer contribution / active EE | $1,672 | $2,193-23.8% | $2,922-42.8% | $2,596-35.6% |
| Participant deferral / active EE | $2,789 | $3,626-23.1% | $4,565-38.9% | $4,028-30.8% |
| Admin fee / account holder | $2,405 | $5,896-59.2% | $8,445-71.5% | $5,403-55.5% |