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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 | $9,938 | $59,819-83.4% | $79,583-87.5% | $68,490-85.5% |
| Participation rate | 51.6% | 61.1%-9.5pp | 69.5%-17.9pp | 67.9%-16.3pp |
| Annual return | -33.60% | -12.30%-21.3pp | 0.16%-33.8pp | -7.85%-25.7pp |
| Employer contribution / active EE | $1,587 | $1,505+5.4% | $2,414-34.3% | $2,597-38.9% |
| Participant deferral / active EE | $2,906 | $3,025-3.9% | $3,986-27.1% | $4,028-27.9% |
| Admin fee / account holder | $711 | $4,835-85.3% | $6,835-89.6% | $5,403-86.8% |