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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 | $3,993 | $52,911-92.5% | $73,309-94.6% | $59,633-93.3% |
| Participation rate | 55.3% | 68.2%-13.0pp | 74.9%-19.6pp | 68.7%-13.4pp |
| Annual return | -5.96% | 12.20%-18.2pp | 5.67%-11.6pp | 2041.45%-2047.4pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,898 | $4,069-53.4% | $4,991-62.0% | $3,192-40.5% |
| Admin fee / account holder | $569 | $3,835-85.2% | $5,635-89.9% | $4,297-86.8% |