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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 | $6,829 | $81,870-91.7% | $119,634-94.3% | $68,490-90.0% |
| Participation rate | 43.3% | 71.9%-28.6pp | 79.3%-35.9pp | 67.9%-24.6pp |
| Annual return | -24.64% | -23.82%-0.8pp | -14.98%-9.7pp | -7.85%-16.8pp |
| Employer contribution / active EE | $1,208 | $2,692-55.1% | $4,232-71.5% | $2,597-53.5% |
| Participant deferral / active EE | $2,003 | $4,148-51.7% | $5,601-64.2% | $4,028-50.3% |
| Admin fee / account holder | $502 | $6,583-92.4% | $10,329-95.1% | $5,403-90.7% |