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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 | $9,910 | $46,689-78.8% | $117,498-91.6% | $68,495-85.5% |
| Participation rate | 53.8% | 56.8%-2.9pp | 70.6%-16.8pp | 67.9%-14.0pp |
| Annual return | -21.20% | -14.52%-6.7pp | 29.75%-50.9pp | -7.84%-13.4pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $4,178-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,997 | $2,637+13.6% | $4,071-26.4% | $4,028-25.6% |
| Admin fee / account holder | $662 | $4,021-83.5% | $5,646-88.3% | $5,403-87.8% |