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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 | $11,867 | $71,878-83.5% | $86,698-86.3% | $68,486-82.7% |
| Participation rate | 52.6% | 72.2%-19.6pp | 76.6%-24.0pp | 67.9%-15.3pp |
| Annual return | -22.38% | 3.53%-25.9pp | 35.95%-58.3pp | -7.85%-14.5pp |
| Employer contribution / active EE | $1,269 | $2,173-41.6% | $2,837-55.3% | $2,597-51.1% |
| Participant deferral / active EE | $3,204 | $3,779-15.2% | $4,656-31.2% | $4,028-20.4% |
| Admin fee / account holder | $718 | $6,113-88.3% | $7,493-90.4% | $5,404-86.7% |