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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 | $73,848-93.4% | $143,799-96.6% | $68,486-92.9% |
| Participation rate | 24.4% | 66.7%-42.3pp | 80.3%-55.9pp | 67.9%-43.5pp |
| Annual return | -35.94% | 0.91%-36.9pp | -0.04%-35.9pp | -7.85%-28.1pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,113 | $3,385-67.1% | $5,638-80.3% | $4,028-72.4% |
| Admin fee / account holder | $1,615 | $5,755-71.9% | $14,677-89.0% | $5,404-70.1% |