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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 | $9,174 | $62,586-85.3% | $76,766-88.1% | $64,181-85.7% |
| Participation rate | 21.2% | 72.8%-51.6pp | 77.0%-55.8pp | 69.6%-48.4pp |
| Annual return | -37.93% | -1.95%-36.0pp | 2.43%-40.4pp | 7.63%-45.6pp |
| Employer contribution / active EE | $414 | $1,832-77.4% | $2,485-83.4% | $2,381-82.6% |
| Participant deferral / active EE | $1,492 | $3,145-52.6% | $3,851-61.3% | $3,470-57.0% |
| Admin fee / account holder | $1,530 | $4,667-67.2% | $6,675-77.1% | $4,887-68.7% |