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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 | $5,138 | $71,872-92.9% | $86,691-94.1% | $68,495-92.5% |
| Participation rate | 52.0% | 72.2%-20.2pp | 76.6%-24.6pp | 67.9%-15.9pp |
| Annual return | -26.06% | 3.53%-29.6pp | 35.94%-62.0pp | -7.84%-18.2pp |
| Employer contribution / active EE | $1,484 | $2,173-31.7% | $2,837-47.7% | $2,596-42.9% |
| Participant deferral / active EE | $2,044 | $3,779-45.9% | $4,656-56.1% | $4,028-49.3% |
| Admin fee / account holder | $649 | $6,112-89.4% | $7,492-91.3% | $5,403-88.0% |