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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 | $11,138 | $62,589-82.2% | $76,768-85.5% | $64,173-82.6% |
| Participation rate | 37.0% | 72.8%-35.8pp | 77.0%-39.9pp | 69.6%-32.5pp |
| Annual return | -14.32% | -1.95%-12.4pp | 2.43%-16.7pp | 7.63%-21.9pp |
| Employer contribution / active EE | $1,033 | $1,832-43.6% | $2,485-58.4% | $2,381-56.6% |
| Participant deferral / active EE | $3,456 | $3,145+9.9% | $3,852-10.3% | $3,470-0.4% |
| Admin fee / account holder | $322 | $4,667-93.1% | $6,675-95.2% | $4,887-93.4% |