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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 | $4,889 | $64,716-92.4% | $112,258-95.6% | $68,495-92.9% |
| Participation rate | 59.2% | 67.2%-8.0pp | 75.1%-15.9pp | 67.9%-8.7pp |
| Annual return | -37.96% | -11.40%-26.6pp | 27.47%-65.4pp | -7.84%-30.1pp |
| Employer contribution / active EE | $983 | $2,746-64.2% | $3,636-73.0% | $2,596-62.1% |
| Participant deferral / active EE | $2,108 | $3,565-40.9% | $4,728-55.4% | $4,028-47.7% |
| Admin fee / account holder | $319 | $5,232-93.9% | $6,411-95.0% | $5,403-94.1% |