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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 | $12,286 | $76,912-84.0% | $129,118-90.5% | $68,486-82.1% |
| Participation rate | 54.0% | 69.1%-15.1pp | 77.2%-23.2pp | 67.9%-13.9pp |
| Annual return | -20.34% | -9.78%-10.6pp | -10.94%-9.4pp | -7.85%-12.5pp |
| Employer contribution / active EE | $1,257 | $3,243-61.2% | $5,051-75.1% | $2,597-51.6% |
| Participant deferral / active EE | $2,624 | $4,732-44.5% | $6,539-59.9% | $4,028-34.8% |
| Admin fee / account holder | $1,219 | $6,638-81.6% | $14,305-91.5% | $5,404-77.5% |