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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 | $7,876 | $48,364-83.7% | $71,796-89.0% | $62,881-87.5% |
| Participation rate | 54.1% | 60.6%-6.6pp | 69.1%-15.1pp | 69.3%-15.3pp |
| Annual return | -22.66% | 13.16%-35.8pp | 78.04%-100.7pp | 20.14%-42.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,105 | $2,091+96.3% | $2,794+46.9% | $3,203+28.2% |
| Admin fee / account holder | $881 | $3,771-76.6% | $4,815-81.7% | $4,296-79.5% |