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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 | $11,536 | $77,816-85.2% | $123,552-90.7% | $64,173-82.0% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.3%-15.6pp | 69.6%-2.9pp |
| Annual return | -9.47% | 12.49%-22.0pp | 119.20%-128.7pp | 7.63%-17.1pp |
| Employer contribution / active EE | $1,731 | $3,014-42.6% | $4,628-62.6% | $2,381-27.3% |
| Participant deferral / active EE | $3,087 | $5,240-41.1% | $6,426-52.0% | $3,470-11.0% |
| Admin fee / account holder | $874 | $5,519-84.2% | $9,285-90.6% | $4,887-82.1% |