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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 | $8,039 | $76,401-89.5% | $106,387-92.4% | $64,173-87.5% |
| Participation rate | 50.0% | 73.5%-23.5pp | 77.5%-27.5pp | 69.6%-19.6pp |
| Annual return | -17.27% | -2.19%-15.1pp | 0.25%-17.5pp | 7.63%-24.9pp |
| Employer contribution / active EE | $2,839 | $2,680+5.9% | $3,520-19.3% | $2,381+19.3% |
| Participant deferral / active EE | $3,967 | $4,274-7.2% | $5,421-26.8% | $3,470+14.3% |
| Admin fee / account holder | $1,792 | $4,610-61.1% | $7,510-76.1% | $4,887-63.3% |