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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 | $8,913 | $52,836-83.1% | $105,738-91.6% | $64,173-86.1% |
| Participation rate | 69.0% | 66.5%+2.4pp | 76.3%-7.4pp | 69.6%-0.6pp |
| Annual return | -12.17% | 14.30%-26.5pp | 6.27%-18.4pp | 7.63%-19.8pp |
| Employer contribution / active EE | $1,626 | $1,827-11.0% | $3,268-50.3% | $2,381-31.7% |
| Participant deferral / active EE | $2,058 | $2,545-19.1% | $4,080-49.6% | $3,470-40.7% |
| Admin fee / account holder | $357 | $3,959-91.0% | $6,913-94.8% | $4,887-92.7% |