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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 | $8,044 | $56,894-85.9% | $84,753-90.5% | $62,881-87.2% |
| Participation rate | 48.3% | 68.5%-20.3pp | 76.6%-28.3pp | 69.3%-21.0pp |
| Annual return | -4.99% | 6.30%-11.3pp | 22.78%-27.8pp | 20.14%-25.1pp |
| Employer contribution / active EE | $1,177 | $2,400-51.0% | $3,574-67.1% | $2,281-48.4% |
| Participant deferral / active EE | $3,173 | $2,709+17.1% | $3,712-14.5% | $3,203-0.9% |
| Admin fee / account holder | $631 | $3,581-82.4% | $5,333-88.2% | $4,296-85.3% |