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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 | $6,568 | $59,813-89.0% | $79,580-91.7% | $68,486-90.4% |
| Participation rate | 40.0% | 61.1%-21.1pp | 69.5%-29.5pp | 67.9%-27.9pp |
| Annual return | -24.99% | -12.30%-12.7pp | 0.15%-25.1pp | -7.85%-17.1pp |
| Employer contribution / active EE | $584 | $1,505-61.2% | $2,413-75.8% | $2,597-77.5% |
| Participant deferral / active EE | $1,831 | $3,024-39.4% | $3,985-54.0% | $4,028-54.5% |
| Admin fee / account holder | $3,103 | $4,835-35.8% | $6,835-54.6% | $5,404-42.6% |