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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 | $9,603 | $81,870-88.3% | $119,634-92.0% | $68,490-86.0% |
| Participation rate | 66.7% | 71.9%-5.2pp | 79.3%-12.6pp | 67.9%-1.2pp |
| Annual return | -20.41% | -23.82%+3.4pp | -14.98%-5.4pp | -7.85%-12.6pp |
| Employer contribution / active EE | $1,634 | $2,692-39.3% | $4,232-61.4% | $2,597-37.1% |
| Participant deferral / active EE | $2,615 | $4,148-37.0% | $5,601-53.3% | $4,028-35.1% |
| Admin fee / account holder | $622 | $6,583-90.6% | $10,329-94.0% | $5,403-88.5% |