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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 | $22,303 | $71,872-69.0% | $86,691-74.3% | $68,495-67.4% |
| Participation rate | 67.3% | 72.2%-5.0pp | 76.6%-9.3pp | 67.9%-0.6pp |
| Annual return | -22.84% | 3.53%-26.4pp | 35.94%-58.8pp | -7.84%-15.0pp |
| Employer contribution / active EE | $2,694 | $2,173+24.0% | $2,837-5.0% | $2,596+3.8% |
| Participant deferral / active EE | $5,877 | $3,779+55.5% | $4,656+26.2% | $4,028+45.9% |
| Admin fee / account holder | $425 | $6,112-93.0% | $7,492-94.3% | $5,403-92.1% |