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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 | $7,104 | $50,947-86.1% | $74,549-90.5% | $64,173-88.9% |
| Participation rate | 46.4% | 61.1%-14.6pp | 69.1%-22.7pp | 69.6%-23.1pp |
| Annual return | -9.87% | -1.85%-8.0pp | 32.53%-42.4pp | 7.63%-17.5pp |
| Employer contribution / active EE | $645 | $1,115-42.2% | $1,961-67.1% | $2,381-72.9% |
| Participant deferral / active EE | $1,122 | $2,302-51.3% | $3,108-63.9% | $3,470-67.7% |
| Admin fee / account holder | $2,151 | $4,221-49.0% | $5,059-57.5% | $4,887-56.0% |