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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 | $1,459 | $57,590-97.5% | $86,233-98.3% | $82,448-98.2% |
| Participation rate | 61.8% | 57.9%+4.0pp | 69.0%-7.2pp | 68.1%-6.2pp |
| Annual return | -7.35% | 22.41%-29.8pp | 61.39%-68.7pp | 41.64%-49.0pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $759 | $3,080-75.4% | $4,559-83.4% | $4,139-81.7% |
| Admin fee / account holder | $377 | $4,730-92.0% | $8,342-95.5% | $7,234-94.8% |