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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 | $11,124 | $77,816-85.7% | $123,552-91.0% | $64,173-82.7% |
| Participation rate | 62.1% | 74.7%-12.6pp | 82.3%-20.2pp | 69.6%-7.5pp |
| Annual return | -14.74% | 12.49%-27.2pp | 119.20%-133.9pp | 7.63%-22.4pp |
| Employer contribution / active EE | $1,743 | $3,014-42.2% | $4,628-62.3% | $2,381-26.8% |
| Participant deferral / active EE | $3,233 | $5,240-38.3% | $6,426-49.7% | $3,470-6.8% |
| Admin fee / account holder | $379 | $5,519-93.1% | $9,285-95.9% | $4,887-92.2% |