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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 | $20,062 | $62,589-67.9% | $76,768-73.9% | $64,173-68.7% |
| Participation rate | 55.1% | 72.8%-17.7pp | 77.0%-21.9pp | 69.6%-14.5pp |
| Annual return | -7.82% | -1.95%-5.9pp | 2.43%-10.2pp | 7.63%-15.4pp |
| Employer contribution / active EE | $1,070 | $1,832-41.6% | $2,485-57.0% | $2,381-55.1% |
| Participant deferral / active EE | $2,272 | $3,145-27.8% | $3,852-41.0% | $3,470-34.5% |
| Admin fee / account holder | $2,149 | $4,667-54.0% | $6,675-67.8% | $4,887-56.0% |