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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 | $17,447 | $64,716-73.0% | $112,258-84.5% | $68,495-74.5% |
| Participation rate | 58.5% | 67.2%-8.6pp | 75.1%-16.5pp | 67.9%-9.4pp |
| Annual return | -20.56% | -11.40%-9.2pp | 27.47%-48.0pp | -7.84%-12.7pp |
| Employer contribution / active EE | $1,439 | $2,746-47.6% | $3,636-60.4% | $2,596-44.6% |
| Participant deferral / active EE | $3,121 | $3,565-12.5% | $4,728-34.0% | $4,028-22.5% |
| Admin fee / account holder | $321 | $5,232-93.9% | $6,411-95.0% | $5,403-94.1% |