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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 | $14,681 | $87,132-83.2% | $105,624-86.1% | $80,959-81.9% |
| Participation rate | 58.5% | 70.4%-11.9pp | 75.3%-16.7pp | 67.7%-9.1pp |
| Annual return | -6.04% | 17.03%-23.1pp | 116.20%-122.2pp | 35.67%-41.7pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,155 | $3,985-20.8% | $5,013-37.1% | $4,300-26.6% |
| Admin fee / account holder | $2,464 | $8,449-70.8% | $10,961-77.5% | $6,925-64.4% |