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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 | $9,027 | $81,870-89.0% | $119,608-92.5% | $68,495-86.8% |
| Participation rate | 60.7% | 71.9%-11.2pp | 79.3%-18.5pp | 67.9%-7.2pp |
| Annual return | -35.43% | -23.82%-11.6pp | -14.98%-20.4pp | -7.84%-27.6pp |
| Employer contribution / active EE | $1,078 | $2,692-60.0% | $4,232-74.5% | $2,596-58.5% |
| Participant deferral / active EE | $2,917 | $4,148-29.7% | $5,601-47.9% | $4,028-27.6% |
| Admin fee / account holder | $340 | $6,583-94.8% | $10,326-96.7% | $5,403-93.7% |