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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 | $11,806 | $42,396-72.2% | $67,313-82.5% | $56,287-79.0% |
| Participation rate | 44.8% | 61.0%-16.2pp | 69.1%-24.3pp | 69.9%-25.1pp |
| Annual return | -11.15% | -36.63%+25.5pp | -4.08%-7.1pp | -9.96%-1.2pp |
| Employer contribution / active EE | $1,143 | $1,414-19.1% | $2,566-55.4% | $2,111-45.8% |
| Participant deferral / active EE | $1,593 | $2,360-32.5% | $3,568-55.3% | $3,350-52.4% |
| Admin fee / account holder | $541 | $510+6.2% | $4,507-88.0% | $521+3.9% |