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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 | $10,638 | $72,404-85.3% | $110,243-90.4% | $64,173-83.4% |
| Participation rate | 41.5% | 73.3%-31.9pp | 79.8%-38.4pp | 69.6%-28.1pp |
| Annual return | -10.00% | -6.29%-3.7pp | 314.76%-324.8pp | 7.63%-17.6pp |
| Employer contribution / active EE | $788 | $2,282-65.5% | $3,827-79.4% | $2,381-66.9% |
| Participant deferral / active EE | $2,316 | $3,469-33.2% | $4,672-50.4% | $3,470-33.3% |
| Admin fee / account holder | $600 | $5,664-89.4% | $8,548-93.0% | $4,887-87.7% |