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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 | $7,280 | $93,064-92.2% | $74,577-90.2% | $273,972-97.3% |
| Participation rate | 50.0% | 74.9%-24.9pp | 68.1%-18.1pp | 83.0%-33.0pp |
| Annual return | -15.65% | 26.18%-41.8pp | 20.47%-36.1pp | 41.46%-57.1pp |
| Employer contribution / active EE | $497 | $3,160-84.3% | $2,525-80.3% | $4,869-89.8% |
| Participant deferral / active EE | $2,709 | $4,160-34.9% | $3,458-21.7% | $5,287-48.8% |
| Admin fee / account holder | $400 | $5,273-92.4% | $4,138-90.3% | $10,133-96.1% |