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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 | $9,279 | $46,697-80.1% | $117,533-92.1% | $68,486-86.5% |
| Participation rate | 56.0% | 56.8%-0.8pp | 70.6%-14.6pp | 67.9%-11.9pp |
| Annual return | -20.69% | -14.52%-6.2pp | 29.77%-50.5pp | -7.85%-12.8pp |
| Employer contribution / active EE | $1,176 | $1,506-21.9% | $4,179-71.9% | $2,597-54.7% |
| Participant deferral / active EE | $2,545 | $2,637-3.5% | $4,072-37.5% | $4,028-36.8% |
| Admin fee / account holder | $630 | $4,023-84.3% | $5,647-88.8% | $5,404-88.3% |