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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 | $14,204 | $96,558-85.3% | $80,977-82.5% | $273,972-94.8% |
| Participation rate | 34.8% | 79.1%-44.3pp | 75.8%-41.0pp | 83.0%-48.2pp |
| Annual return | -19.30% | 15.14%-34.4pp | 17.11%-36.4pp | 41.46%-60.8pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,917 | $6,598-70.9% | $5,696-66.4% | $5,287-63.7% |
| Admin fee / account holder | $2,900 | $7,493-61.3% | $5,517-47.4% | $10,133-71.4% |