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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 | $10,858 | $77,817-86.0% | $123,553-91.2% | $64,173-83.1% |
| Participation rate | 60.3% | 74.7%-14.4pp | 82.3%-22.0pp | 69.6%-9.3pp |
| Annual return | -9.25% | 12.49%-21.7pp | 119.21%-128.5pp | 7.63%-16.9pp |
| Employer contribution / active EE | $1,604 | $3,014-46.8% | $4,628-65.3% | $2,381-32.6% |
| Participant deferral / active EE | $2,396 | $5,240-54.3% | $6,426-62.7% | $3,470-30.9% |
| Admin fee / account holder | $1,272 | $5,519-77.0% | $9,284-86.3% | $4,887-74.0% |