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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 | $3,435 | $73,839-95.3% | $143,788-97.6% | $68,495-95.0% |
| Participation rate | 69.7% | 66.7%+3.0pp | 80.3%-10.6pp | 67.9%+1.8pp |
| Annual return | -21.64% | 1.01%-22.6pp | -0.03%-21.6pp | -7.84%-13.8pp |
| Employer contribution / active EE | $814 | $3,184-74.4% | $4,952-83.6% | $2,596-68.6% |
| Participant deferral / active EE | $2,341 | $3,384-30.8% | $5,638-58.5% | $4,028-41.9% |
| Admin fee / account holder | $375 | $5,755-93.5% | $14,675-97.4% | $5,403-93.1% |