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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 | $7,427 | $135,956-94.5% | $123,894-94.0% | $273,972-97.3% |
| Participation rate | 44.4% | 84.1%-39.6pp | 81.4%-37.0pp | 83.0%-38.6pp |
| Annual return | -87.66% | 56.63%-144.3pp | 47.52%-135.2pp | 41.46%-129.1pp |
| Employer contribution / active EE | $1,820 | $5,170-64.8% | $4,617-60.6% | $4,869-62.6% |
| Participant deferral / active EE | $2,932 | $6,343-53.8% | $5,984-51.0% | $5,287-44.6% |
| Admin fee / account holder | $2,980 | $9,817-69.6% | $8,357-64.3% | $10,133-70.6% |