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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 | $22,255 | $71,878-69.0% | $86,698-74.3% | $68,486-67.5% |
| Participation rate | 54.0% | 72.2%-18.2pp | 76.6%-22.6pp | 67.9%-13.9pp |
| Annual return | -19.39% | 3.53%-22.9pp | 35.95%-55.3pp | -7.85%-11.5pp |
| Employer contribution / active EE | $2,983 | $2,173+37.3% | $2,837+5.2% | $2,597+14.9% |
| Participant deferral / active EE | $5,057 | $3,779+33.8% | $4,656+8.6% | $4,028+25.6% |
| Admin fee / account holder | $4,008 | $6,113-34.4% | $7,493-46.5% | $5,404-25.8% |