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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 | $11,595 | $71,872-83.9% | $86,691-86.6% | $68,495-83.1% |
| Participation rate | 36.4% | 72.2%-35.9pp | 76.6%-40.2pp | 67.9%-31.5pp |
| Annual return | -19.15% | 3.53%-22.7pp | 35.94%-55.1pp | -7.84%-11.3pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,866 | $3,779-50.6% | $4,656-59.9% | $4,028-53.7% |
| Admin fee / account holder | $416 | $6,112-93.2% | $7,492-94.4% | $5,403-92.3% |