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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 | $8,342 | $110,083-92.4% | $151,645-94.5% | $68,490-87.8% |
| Participation rate | 57.4% | 84.0%-26.6pp | 87.5%-30.1pp | 67.9%-10.5pp |
| Annual return | -24.16% | -10.12%-14.0pp | 3.34%-27.5pp | -7.85%-16.3pp |
| Employer contribution / active EE | $1,418 | $4,470-68.3% | $6,165-77.0% | $2,597-45.4% |
| Participant deferral / active EE | $3,240 | $6,526-50.4% | $8,363-61.3% | $4,028-19.6% |
| Admin fee / account holder | $1,039 | $7,718-86.5% | $11,614-91.1% | $5,403-80.8% |