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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 | $2,486 | $37,463-93.4% | $77,096-96.8% | $66,938-96.3% |
| Participation rate | 61.7% | 52.9%+8.8pp | 67.9%-6.2pp | 69.8%-8.1pp |
| Annual return | -26.98% | -3.25%-23.7pp | 42.35%-69.3pp | 1.58%-28.6pp |
| Employer contribution / active EE | $0 | $1,535-100.0% | $2,814-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,367 | $2,621-47.9% | $4,429-69.1% | $4,238-67.8% |
| Admin fee / account holder | $522 | $568-8.0% | $5,428-90.4% | $594-12.0% |