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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 | $2,802 | $68,880-95.9% | $120,580-97.7% | $80,959-96.5% |
| Participation rate | 68.0% | 61.7%+6.3pp | 72.0%-4.0pp | 67.7%+0.3pp |
| Annual return | -36.16% | 23.68%-59.8pp | 107.48%-143.6pp | 35.67%-71.8pp |
| Employer contribution / active EE | $0 | $2,066-100.0% | $3,469-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,254 | $3,191-60.7% | $4,995-74.9% | $4,300-70.8% |
| Admin fee / account holder | $806 | $5,785-86.1% | $9,418-91.4% | $6,925-88.4% |