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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 | $9,698 | $58,587-83.4% | $83,322-88.4% | $64,173-84.9% |
| Participation rate | 33.8% | 72.0%-38.3pp | 77.8%-44.0pp | 69.6%-35.8pp |
| Annual return | -14.92% | 9.65%-24.6pp | 10.64%-25.6pp | 7.63%-22.5pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,552 | $4,654-45.2% | $5,565-54.1% | $3,470-26.4% |
| Admin fee / account holder | $1,435 | $9,279-84.5% | $7,540-81.0% | $4,887-70.6% |