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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 | $4,713 | $49,280-90.4% | $67,313-93.0% | $64,181-92.7% |
| Participation rate | 47.0% | 60.8%-13.8pp | 69.1%-22.1pp | 69.6%-22.6pp |
| Annual return | -12.52% | -1.39%-11.1pp | -4.08%-8.4pp | 7.63%-20.2pp |
| Employer contribution / active EE | $676 | $1,668-59.5% | $2,566-73.6% | $2,381-71.6% |
| Participant deferral / active EE | $1,189 | $2,484-52.1% | $3,568-66.7% | $3,470-65.7% |
| Admin fee / account holder | $805 | $3,863-79.2% | $4,507-82.1% | $4,887-83.5% |