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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 | $8,940 | $60,352-85.2% | $74,185-87.9% | $62,881-85.8% |
| Participation rate | 23.5% | 72.7%-49.2pp | 76.6%-53.1pp | 69.3%-45.8pp |
| Annual return | -83.94% | 21.37%-105.3pp | 17.74%-101.7pp | 20.14%-104.1pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,959 | $2,856-31.4% | $3,550-44.8% | $3,203-38.8% |
| Admin fee / account holder | $3,628 | $4,261-14.9% | $5,586-35.1% | $4,296-15.5% |