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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 | $10,560 | $77,816-86.4% | $123,552-91.5% | $64,173-83.5% |
| Participation rate | 68.3% | 74.7%-6.4pp | 82.3%-14.0pp | 69.6%-1.3pp |
| Annual return | -22.04% | 12.49%-34.5pp | 119.20%-141.2pp | 7.63%-29.7pp |
| Employer contribution / active EE | $2,488 | $3,014-17.4% | $4,628-46.2% | $2,381+4.5% |
| Participant deferral / active EE | $3,933 | $5,240-25.0% | $6,426-38.8% | $3,470+13.3% |
| Admin fee / account holder | $380 | $5,519-93.1% | $9,285-95.9% | $4,887-92.2% |