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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 | $13,015 | $73,019-82.2% | $90,766-85.7% | $68,490-81.0% |
| Participation rate | 52.9% | 70.8%-17.9pp | 75.7%-22.8pp | 67.9%-15.0pp |
| Annual return | -22.57% | -13.81%-8.8pp | -12.16%-10.4pp | -7.85%-14.7pp |
| Employer contribution / active EE | $2,040 | $2,193-7.0% | $2,922-30.2% | $2,597-21.4% |
| Participant deferral / active EE | $2,397 | $3,626-33.9% | $4,565-47.5% | $4,028-40.5% |
| Admin fee / account holder | $1,924 | $5,897-67.4% | $8,446-77.2% | $5,403-64.4% |