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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 | $16,145 | $77,817-79.3% | $123,553-86.9% | $64,173-74.8% |
| Participation rate | 56.1% | 74.7%-18.6pp | 82.3%-26.2pp | 69.6%-13.4pp |
| Annual return | -12.96% | 12.49%-25.4pp | 119.21%-132.2pp | 7.63%-20.6pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,138 | $5,240-40.1% | $6,426-51.2% | $3,470-9.6% |
| Admin fee / account holder | $1,401 | $5,519-74.6% | $9,284-84.9% | $4,887-71.3% |