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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 | $12,555 | $59,834-79.0% | $79,576-84.2% | $68,495-81.7% |
| Participation rate | 46.0% | 61.1%-15.1pp | 69.5%-23.5pp | 67.9%-21.9pp |
| Annual return | -31.48% | -12.30%-19.2pp | 0.15%-31.6pp | -7.84%-23.6pp |
| Employer contribution / active EE | $1,850 | $1,505+23.0% | $2,413-23.3% | $2,596-28.7% |
| Participant deferral / active EE | $3,147 | $3,024+4.1% | $3,985-21.0% | $4,028-21.9% |
| Admin fee / account holder | $710 | $4,835-85.3% | $6,834-89.6% | $5,403-86.9% |