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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 | $7,170 | $81,504-91.2% | $102,437-93.0% | $80,959-91.1% |
| Participation rate | 36.7% | 66.9%-30.2pp | 74.5%-37.8pp | 67.7%-31.0pp |
| Annual return | -12.91% | 25.60%-38.5pp | 24.95%-37.9pp | 35.67%-48.6pp |
| Employer contribution / active EE | $1,021 | $3,104-67.1% | $3,871-73.6% | $2,757-63.0% |
| Participant deferral / active EE | $1,863 | $3,871-51.9% | $5,060-63.2% | $4,300-56.7% |
| Admin fee / account holder | $301 | $6,719-95.5% | $8,388-96.4% | $6,925-95.7% |