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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 | $6,273 | $48,267-87.0% | $68,808-90.9% | $68,486-90.8% |
| Participation rate | 28.0% | 60.7%-32.7pp | 69.0%-41.0pp | 67.9%-39.9pp |
| Annual return | -29.05% | -12.70%-16.3pp | -6.37%-22.7pp | -7.85%-21.2pp |
| Employer contribution / active EE | $556 | $1,829-69.6% | $2,656-79.1% | $2,597-78.6% |
| Participant deferral / active EE | $1,077 | $2,867-62.4% | $3,942-72.7% | $4,028-73.2% |
| Admin fee / account holder | $801 | $4,362-81.6% | $4,936-83.8% | $5,404-85.2% |