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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 | $7,638 | $73,863-89.7% | $143,797-94.7% | $68,490-88.8% |
| Participation rate | 61.3% | 66.7%-5.3pp | 80.3%-19.0pp | 67.9%-6.6pp |
| Annual return | -51.33% | 0.91%-52.2pp | -0.04%-51.3pp | -7.85%-43.5pp |
| Employer contribution / active EE | $928 | $3,185-70.9% | $4,952-81.3% | $2,597-64.3% |
| Participant deferral / active EE | $3,992 | $3,385+17.9% | $5,638-29.2% | $4,028-0.9% |
| Admin fee / account holder | $784 | $5,756-86.4% | $14,679-94.7% | $5,403-85.5% |