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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 | $12,934 | $63,471-79.6% | $68,803-81.2% | $66,949-80.7% |
| Participation rate | 39.3% | 60.0%-20.7pp | 69.0%-29.8pp | 69.8%-30.6pp |
| Annual return | -29.82% | -8.29%-21.5pp | -6.37%-23.5pp | 1.57%-31.4pp |
| Employer contribution / active EE | $1,485 | $1,776-16.4% | $2,656-44.1% | $2,545-41.7% |
| Participant deferral / active EE | $2,320 | $2,946-21.2% | $3,942-41.1% | $4,239-45.3% |
| Admin fee / account holder | $757 | $578+30.9% | $4,936-84.7% | $594+27.4% |