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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 | $6,673 | $53,162-87.4% | $91,227-92.7% | $68,490-90.3% |
| Participation rate | 44.1% | 63.2%-19.1pp | 73.2%-29.1pp | 67.9%-23.8pp |
| Annual return | -22.57% | -3.14%-19.4pp | 114.14%-136.7pp | -7.85%-14.7pp |
| Employer contribution / active EE | $500 | $1,709-70.8% | $2,851-82.5% | $2,597-80.7% |
| Participant deferral / active EE | $1,366 | $2,974-54.1% | $4,234-67.7% | $4,028-66.1% |
| Admin fee / account holder | $459 | $4,493-89.8% | $5,423-91.5% | $5,403-91.5% |