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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 | $9,508 | $76,912-87.6% | $129,118-92.6% | $68,486-86.1% |
| Participation rate | 50.0% | 69.1%-19.1pp | 77.2%-27.2pp | 67.9%-17.9pp |
| Annual return | -19.27% | -9.78%-9.5pp | -10.94%-8.3pp | -7.85%-11.4pp |
| Employer contribution / active EE | $1,063 | $3,243-67.2% | $5,051-78.9% | $2,597-59.0% |
| Participant deferral / active EE | $2,306 | $4,732-51.3% | $6,539-64.7% | $4,028-42.8% |
| Admin fee / account holder | $1,565 | $6,638-76.4% | $14,305-89.1% | $5,404-71.0% |