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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 | $8,523 | $53,162-84.0% | $91,225-90.7% | $68,495-87.6% |
| Participation rate | 36.0% | 63.2%-27.2pp | 73.2%-37.2pp | 67.9%-31.9pp |
| Annual return | -20.12% | -3.14%-17.0pp | 114.10%-134.2pp | -7.84%-12.3pp |
| Employer contribution / active EE | $899 | $1,709-47.4% | $2,851-68.5% | $2,596-65.4% |
| Participant deferral / active EE | $1,751 | $2,974-41.1% | $4,234-58.6% | $4,028-56.5% |
| Admin fee / account holder | $2,137 | $4,493-52.5% | $5,422-60.6% | $5,403-60.5% |