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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 | $5,380 | $49,280-89.1% | $67,313-92.0% | $64,173-91.6% |
| Participation rate | 46.1% | 60.8%-14.7pp | 69.1%-23.0pp | 69.6%-23.5pp |
| Annual return | -12.33% | -1.39%-10.9pp | -4.08%-8.2pp | 7.63%-20.0pp |
| Employer contribution / active EE | $848 | $1,668-49.2% | $2,566-66.9% | $2,381-64.4% |
| Participant deferral / active EE | $1,182 | $2,484-52.4% | $3,568-66.9% | $3,470-65.9% |
| Admin fee / account holder | $690 | $3,863-82.1% | $4,507-84.7% | $4,887-85.9% |