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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 | $17,086 | $61,660-72.3% | $80,022-78.6% | $64,173-73.4% |
| Participation rate | 64.1% | 71.7%-7.6pp | 75.8%-11.8pp | 69.6%-5.5pp |
| Annual return | -11.58% | -0.33%-11.3pp | 11.22%-22.8pp | 7.63%-19.2pp |
| Employer contribution / active EE | $1,190 | $1,810-34.3% | $2,468-51.8% | $2,381-50.0% |
| Participant deferral / active EE | $2,754 | $2,968-7.2% | $3,686-25.3% | $3,470-20.6% |
| Admin fee / account holder | $347 | $5,417-93.6% | $6,521-94.7% | $4,887-92.9% |