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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 | $12,686 | $64,719-80.4% | $112,249-88.7% | $68,486-81.5% |
| Participation rate | 63.2% | 67.2%-4.0pp | 75.1%-11.9pp | 67.9%-4.7pp |
| Annual return | -20.84% | -11.40%-9.4pp | 27.48%-48.3pp | -7.85%-13.0pp |
| Employer contribution / active EE | $2,105 | $2,747-23.3% | $3,636-42.1% | $2,597-18.9% |
| Participant deferral / active EE | $2,438 | $3,565-31.6% | $4,729-48.5% | $4,028-39.5% |
| Admin fee / account holder | $517 | $5,232-90.1% | $6,412-91.9% | $5,404-90.4% |