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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 | $3,966 | $75,541-94.7% | $152,093-97.4% | $82,637-95.2% |
| Participation rate | 54.8% | 66.5%-11.7pp | 77.8%-23.0pp | 68.1%-13.3pp |
| Annual return | -19.56% | 32.56%-52.1pp | 66.36%-85.9pp | 53.51%-73.1pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $998 | $3,206-68.9% | $5,451-81.7% | $4,126-75.8% |
| Admin fee / account holder | $1,031 | $6,405-83.9% | $14,497-92.9% | $7,339-85.9% |