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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 | $11,082 | $61,660-82.0% | $80,022-86.2% | $64,181-82.7% |
| Participation rate | 51.6% | 71.7%-20.1pp | 75.8%-24.2pp | 69.6%-18.0pp |
| Annual return | -8.29% | -0.33%-8.0pp | 11.22%-19.5pp | 7.63%-15.9pp |
| Employer contribution / active EE | $422 | $1,810-76.7% | $2,468-82.9% | $2,381-82.3% |
| Participant deferral / active EE | $2,665 | $2,968-10.2% | $3,686-27.7% | $3,470-23.2% |
| Admin fee / account holder | $570 | $5,417-89.5% | $6,521-91.3% | $4,887-88.3% |