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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 | $14,449 | $52,836-72.7% | $105,738-86.3% | $64,173-77.5% |
| Participation rate | 60.7% | 66.5%-5.8pp | 76.3%-15.6pp | 69.6%-8.9pp |
| Annual return | -10.45% | 14.30%-24.7pp | 6.27%-16.7pp | 7.63%-18.1pp |
| Employer contribution / active EE | $1,614 | $1,827-11.6% | $3,268-50.6% | $2,381-32.2% |
| Participant deferral / active EE | $2,334 | $2,545-8.3% | $4,080-42.8% | $3,470-32.7% |
| Admin fee / account holder | $585 | $3,959-85.2% | $6,913-91.5% | $4,887-88.0% |