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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 | $12,577 | $59,813-79.0% | $79,580-84.2% | $68,486-81.6% |
| Participation rate | 31.8% | 61.1%-29.2pp | 69.5%-37.7pp | 67.9%-36.1pp |
| Annual return | -30.66% | -12.30%-18.4pp | 0.15%-30.8pp | -7.85%-22.8pp |
| Employer contribution / active EE | $1,001 | $1,505-33.5% | $2,413-58.5% | $2,597-61.4% |
| Participant deferral / active EE | $2,419 | $3,024-20.0% | $3,985-39.3% | $4,028-39.9% |
| Admin fee / account holder | $762 | $4,835-84.2% | $6,835-88.9% | $5,404-85.9% |