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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 | $5,933 | $58,587-89.9% | $83,322-92.9% | $64,173-90.8% |
| Participation rate | 56.5% | 72.0%-15.5pp | 77.8%-21.2pp | 69.6%-13.0pp |
| Annual return | -23.51% | 9.65%-33.2pp | 10.64%-34.1pp | 7.63%-31.1pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,265 | $4,654-8.4% | $5,565-23.4% | $3,470+22.9% |
| Admin fee / account holder | $350 | $9,279-96.2% | $7,540-95.4% | $4,887-92.8% |