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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 | $8,597 | $73,009-88.2% | $90,756-90.5% | $68,495-87.4% |
| Participation rate | 61.9% | 70.8%-8.9pp | 75.7%-13.8pp | 67.9%-6.0pp |
| Annual return | -21.09% | -13.81%-7.3pp | -12.16%-8.9pp | -7.84%-13.2pp |
| Employer contribution / active EE | $981 | $2,193-55.3% | $2,922-66.4% | $2,596-62.2% |
| Participant deferral / active EE | $2,093 | $3,626-42.3% | $4,565-54.1% | $4,028-48.0% |
| Admin fee / account holder | $522 | $5,896-91.2% | $8,445-93.8% | $5,403-90.3% |