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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 | $8,372 | $71,480-88.3% | $90,782-90.8% | $64,181-87.0% |
| Participation rate | 48.0% | 77.6%-29.6pp | 82.7%-34.7pp | 69.6%-21.6pp |
| Annual return | -19.21% | -4.25%-15.0pp | -3.42%-15.8pp | 7.63%-26.8pp |
| Employer contribution / active EE | $1,419 | $3,415-58.4% | $4,105-65.4% | $2,381-40.4% |
| Participant deferral / active EE | $2,652 | $4,302-38.3% | $5,366-50.6% | $3,470-23.6% |
| Admin fee / account holder | $1,829 | $6,309-71.0% | $5,908-69.0% | $4,887-62.6% |