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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 | $11,728 | $50,947-77.0% | $74,551-84.3% | $64,173-81.7% |
| Participation rate | 67.3% | 61.1%+6.3pp | 69.1%-1.8pp | 69.6%-2.2pp |
| Annual return | -10.35% | -1.85%-8.5pp | 32.53%-42.9pp | 7.63%-18.0pp |
| Employer contribution / active EE | $1,349 | $1,115+20.9% | $1,961-31.2% | $2,381-43.4% |
| Participant deferral / active EE | $2,251 | $2,302-2.2% | $3,108-27.6% | $3,470-35.1% |
| Admin fee / account holder | $3,399 | $4,221-19.5% | $5,059-32.8% | $4,887-30.4% |