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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 | $9,352 | $56,287-83.4% | $80,977-88.5% | $62,881-85.1% |
| Participation rate | 38.6% | 68.9%-30.3pp | 75.8%-37.2pp | 69.3%-30.7pp |
| Annual return | -13.63% | 22.13%-35.8pp | 17.11%-30.7pp | 20.14%-33.8pp |
| Employer contribution / active EE | $392 | $1,943-79.8% | $3,715-89.5% | $2,281-82.8% |
| Participant deferral / active EE | $2,488 | $4,196-40.7% | $5,696-56.3% | $3,203-22.3% |
| Admin fee / account holder | $2,167 | $3,742-42.1% | $5,517-60.7% | $4,296-49.6% |