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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 | $8,427 | $53,412-84.2% | $68,509-87.7% | $52,331-83.9% |
| Participation rate | 57.5% | 71.7%-14.2pp | 74.7%-17.2pp | 68.1%-10.6pp |
| Annual return | -5.43% | 3.42%-8.8pp | 8.27%-13.7pp | 4.54%-10.0pp |
| Employer contribution / active EE | $951 | $1,607-40.9% | $2,278-58.3% | $1,882-49.5% |
| Participant deferral / active EE | $1,468 | $2,688-45.4% | $3,382-56.6% | $3,022-51.4% |
| Admin fee / account holder | $411 | $461-10.8% | $5,275-92.2% | $592-30.5% |