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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 | $9,091 | $61,214-85.1% | $83,322-89.1% | $56,287-83.8% |
| Participation rate | 45.1% | 72.6%-27.4pp | 77.8%-32.6pp | 69.9%-24.7pp |
| Annual return | -14.38% | 0.42%-14.8pp | 10.64%-25.0pp | -9.96%-4.4pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $4,583 | $5,091-10.0% | $5,565-17.7% | $3,350+36.8% |
| Admin fee / account holder | $521 | $512+1.9% | $7,540-93.1% | $521+0.1% |