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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 | $11,954 | $59,819-80.0% | $79,583-85.0% | $68,490-82.5% |
| Participation rate | 24.4% | 61.1%-36.7pp | 69.5%-45.1pp | 67.9%-43.5pp |
| Annual return | -26.89% | -12.30%-14.6pp | 0.16%-27.1pp | -7.85%-19.0pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,918 | $3,025-36.6% | $3,986-51.9% | $4,028-52.4% |
| Admin fee / account holder | $2,897 | $4,835-40.1% | $6,835-57.6% | $5,403-46.4% |