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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 | $7,026 | $142,392-95.1% | $119,622-94.1% | $134,532-94.8% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.3%-29.3pp | 81.2%-31.2pp |
| Annual return | -45.10% | -12.46%-32.6pp | -14.98%-30.1pp | 418.27%-463.4pp |
| Employer contribution / active EE | $1,147 | $5,224-78.1% | $4,232-72.9% | $4,741-75.8% |
| Participant deferral / active EE | $3,248 | $6,467-49.8% | $5,601-42.0% | $6,401-49.3% |
| Admin fee / account holder | $775 | $13,593-94.3% | $10,328-92.5% | $11,429-93.2% |