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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 | $7,941 | $37,440-78.8% | $77,081-89.7% | $66,930-88.1% |
| Participation rate | 43.7% | 52.9%-9.3pp | 67.9%-24.3pp | 69.8%-26.2pp |
| Annual return | -24.66% | -3.26%-21.4pp | 42.33%-67.0pp | 1.57%-26.2pp |
| Employer contribution / active EE | $1,096 | $1,534-28.5% | $2,813-61.0% | $2,545-56.9% |
| Participant deferral / active EE | $2,215 | $2,620-15.5% | $4,428-50.0% | $4,238-47.7% |
| Admin fee / account holder | $815 | $568+43.5% | $5,427-85.0% | $593+37.3% |