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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 | $14,267 | $81,870-82.6% | $119,608-88.1% | $68,495-79.2% |
| Participation rate | 62.9% | 71.9%-9.0pp | 79.3%-16.4pp | 67.9%-5.0pp |
| Annual return | -30.05% | -23.82%-6.2pp | -14.98%-15.1pp | -7.84%-22.2pp |
| Employer contribution / active EE | $2,047 | $2,692-24.0% | $4,232-51.6% | $2,596-21.2% |
| Participant deferral / active EE | $2,559 | $4,148-38.3% | $5,601-54.3% | $4,028-36.5% |
| Admin fee / account holder | $548 | $6,583-91.7% | $10,326-94.7% | $5,403-89.9% |