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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 | $21,397 | $81,870-73.9% | $119,608-82.1% | $68,495-68.8% |
| Participation rate | 56.6% | 71.9%-15.3pp | 79.3%-22.7pp | 67.9%-11.3pp |
| Annual return | -19.96% | -23.82%+3.9pp | -14.98%-5.0pp | -7.84%-12.1pp |
| Employer contribution / active EE | $1,954 | $2,692-27.4% | $4,232-53.8% | $2,596-24.8% |
| Participant deferral / active EE | $4,394 | $4,148+5.9% | $5,601-21.5% | $4,028+9.1% |
| Admin fee / account holder | $2,359 | $6,583-64.2% | $10,326-77.2% | $5,403-56.3% |