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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 | $5,492 | $48,078-88.6% | $78,676-93.0% | $62,881-91.3% |
| Participation rate | 41.9% | 65.2%-23.3pp | 73.6%-31.7pp | 69.3%-27.4pp |
| Annual return | -2.83% | 31.36%-34.2pp | 62.19%-65.0pp | 20.14%-23.0pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,434 | $2,587-44.6% | $3,517-59.2% | $3,203-55.2% |
| Admin fee / account holder | $455 | $3,206-85.8% | $4,510-89.9% | $4,296-89.4% |