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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 | $9,925 | $53,162-81.3% | $91,227-89.1% | $68,490-85.5% |
| Participation rate | 50.0% | 63.2%-13.2pp | 73.2%-23.2pp | 67.9%-17.9pp |
| Annual return | -20.21% | -3.14%-17.1pp | 114.14%-134.4pp | -7.85%-12.4pp |
| Employer contribution / active EE | $1,091 | $1,709-36.1% | $2,851-61.7% | $2,597-58.0% |
| Participant deferral / active EE | $1,977 | $2,974-33.5% | $4,234-53.3% | $4,028-50.9% |
| Admin fee / account holder | $1,296 | $4,493-71.2% | $5,423-76.1% | $5,403-76.0% |