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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 | $13,105 | $56,484-76.8% | $169,452-92.3% | $64,173-79.6% |
| Participation rate | 41.7% | 64.5%-22.9pp | 77.8%-36.1pp | 69.6%-27.9pp |
| Annual return | -9.54% | -1.55%-8.0pp | 1.83%-11.4pp | 7.63%-17.2pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,702 | $3,448-50.6% | $5,277-67.8% | $3,470-51.0% |
| Admin fee / account holder | $1,362 | $4,174-67.4% | $9,110-85.0% | $4,887-72.1% |