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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 | $2,865 | $57,073-95.0% | $85,126-96.6% | $80,925-96.5% |
| Participation rate | 42.9% | 56.4%-13.5pp | 67.5%-24.7pp | 67.7%-24.8pp |
| Annual return | -31.35% | 21.69%-53.0pp | 66.63%-98.0pp | 35.65%-67.0pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $879 | $3,113-71.8% | $4,523-80.6% | $4,299-79.5% |
| Admin fee / account holder | $766 | $4,988-84.6% | $6,160-87.6% | $6,940-89.0% |