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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 | $5,622 | $48,267-88.4% | $68,794-91.8% | $68,495-91.8% |
| Participation rate | 50.0% | 60.7%-10.7pp | 69.0%-19.0pp | 67.9%-17.9pp |
| Annual return | -44.26% | -12.70%-31.6pp | -6.37%-37.9pp | -7.84%-36.4pp |
| Employer contribution / active EE | $1,169 | $1,829-36.1% | $2,656-56.0% | $2,596-55.0% |
| Participant deferral / active EE | $1,654 | $2,867-42.3% | $3,941-58.0% | $4,028-58.9% |
| Admin fee / account holder | $361 | $4,362-91.7% | $4,934-92.7% | $5,403-93.3% |