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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 | $7,899 | $73,839-89.3% | $143,788-94.5% | $68,495-88.5% |
| Participation rate | 55.0% | 66.7%-11.7pp | 80.3%-25.3pp | 67.9%-12.9pp |
| Annual return | -45.19% | 1.01%-46.2pp | -0.03%-45.2pp | -7.84%-37.3pp |
| Employer contribution / active EE | $737 | $3,184-76.8% | $4,952-85.1% | $2,596-71.6% |
| Participant deferral / active EE | $2,533 | $3,384-25.2% | $5,638-55.1% | $4,028-37.1% |
| Admin fee / account holder | $1,411 | $5,755-75.5% | $14,675-90.4% | $5,403-73.9% |