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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 | $10,978 | $62,583-82.5% | $76,767-85.7% | $64,173-82.9% |
| Participation rate | 62.5% | 72.8%-10.3pp | 77.0%-14.5pp | 69.6%-7.1pp |
| Annual return | -8.59% | -1.95%-6.6pp | 2.43%-11.0pp | 7.63%-16.2pp |
| Employer contribution / active EE | $956 | $1,832-47.8% | $2,485-61.5% | $2,381-59.8% |
| Participant deferral / active EE | $1,508 | $3,145-52.1% | $3,852-60.9% | $3,470-56.5% |
| Admin fee / account holder | $564 | $4,667-87.9% | $6,675-91.5% | $4,887-88.5% |