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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 | $19,988 | $81,870-75.6% | $119,634-83.3% | $68,490-70.8% |
| Participation rate | 50.0% | 71.9%-21.9pp | 79.3%-29.3pp | 67.9%-17.9pp |
| Annual return | -23.99% | -23.82%-0.2pp | -14.98%-9.0pp | -7.85%-16.1pp |
| Employer contribution / active EE | $836 | $2,692-68.9% | $4,232-80.2% | $2,597-67.8% |
| Participant deferral / active EE | $3,819 | $4,148-7.9% | $5,601-31.8% | $4,028-5.2% |
| Admin fee / account holder | $3,526 | $6,583-46.4% | $10,329-65.9% | $5,403-34.7% |