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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 | $6,705 | $59,813-88.8% | $79,580-91.6% | $68,486-90.2% |
| Participation rate | 50.0% | 61.1%-11.1pp | 69.5%-19.5pp | 67.9%-17.9pp |
| Annual return | -23.06% | -12.30%-10.8pp | 0.15%-23.2pp | -7.85%-15.2pp |
| Employer contribution / active EE | $631 | $1,505-58.1% | $2,413-73.9% | $2,597-75.7% |
| Participant deferral / active EE | $2,021 | $3,024-33.2% | $3,985-49.3% | $4,028-49.8% |
| Admin fee / account holder | $509 | $4,835-89.5% | $6,835-92.6% | $5,404-90.6% |