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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 | $10,724 | $56,484-81.0% | $169,452-93.7% | $64,173-83.3% |
| Participation rate | 46.8% | 64.5%-17.7pp | 77.8%-31.0pp | 69.6%-22.8pp |
| Annual return | -12.60% | -1.55%-11.0pp | 1.83%-14.4pp | 7.63%-20.2pp |
| Employer contribution / active EE | $942 | $1,832-48.6% | $4,157-77.3% | $2,381-60.4% |
| Participant deferral / active EE | $2,623 | $3,448-23.9% | $5,277-50.3% | $3,470-24.4% |
| Admin fee / account holder | $708 | $4,174-83.0% | $9,110-92.2% | $4,887-85.5% |