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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 | $7,927 | $72,492-89.1% | $87,102-90.9% | $72,983-89.1% |
| Participation rate | 22.6% | 72.8%-50.2pp | 76.9%-54.2pp | 69.5%-46.8pp |
| Annual return | -6.98% | 24.46%-31.4pp | 28.19%-35.2pp | 81.01%-88.0pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,508 | $3,270-53.9% | $4,048-62.7% | $3,608-58.2% |
| Admin fee / account holder | $1,403 | $5,055-72.2% | $7,491-81.3% | $5,124-72.6% |