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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 | $10,893 | $59,813-81.8% | $79,580-86.3% | $68,486-84.1% |
| Participation rate | 38.6% | 61.1%-22.5pp | 69.5%-30.9pp | 67.9%-29.3pp |
| Annual return | -27.05% | -12.30%-14.8pp | 0.15%-27.2pp | -7.85%-19.2pp |
| Employer contribution / active EE | $1,365 | $1,505-9.3% | $2,413-43.4% | $2,597-47.4% |
| Participant deferral / active EE | $2,331 | $3,024-22.9% | $3,985-41.5% | $4,028-42.1% |
| Admin fee / account holder | $966 | $4,835-80.0% | $6,835-85.9% | $5,404-82.1% |