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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 | $8,672 | $64,729-86.6% | $112,263-92.3% | $68,490-87.3% |
| Participation rate | 35.4% | 67.2%-31.7pp | 75.1%-39.6pp | 67.9%-32.5pp |
| Annual return | -21.92% | -11.40%-10.5pp | 27.49%-49.4pp | -7.85%-14.1pp |
| Employer contribution / active EE | $1,016 | $2,746-63.0% | $3,636-72.0% | $2,597-60.9% |
| Participant deferral / active EE | $1,515 | $3,566-57.5% | $4,729-68.0% | $4,028-62.4% |
| Admin fee / account holder | $1,605 | $5,222-69.3% | $6,410-75.0% | $5,403-70.3% |