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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 | $6,775 | $42,383-84.0% | $76,518-91.1% | $64,173-89.4% |
| Participation rate | 67.9% | 58.1%+9.7pp | 68.0%-0.1pp | 69.6%-1.7pp |
| Annual return | -18.98% | -16.54%-2.4pp | -0.27%-18.7pp | 7.63%-26.6pp |
| Employer contribution / active EE | $0 | $1,563-100.0% | $2,647-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,533 | $2,566+76.6% | $3,836+18.2% | $3,470+30.6% |
| Admin fee / account holder | $753 | $3,198-76.5% | $4,849-84.5% | $4,887-84.6% |