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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 | $5,215 | $40,264-87.0% | $57,349-90.9% | $59,633-91.3% |
| Participation rate | 36.2% | 69.2%-32.9pp | 75.1%-38.9pp | 68.7%-32.4pp |
| Annual return | -7.83% | 27.51%-35.3pp | 24.40%-32.2pp | 2041.40%-2049.2pp |
| Employer contribution / active EE | $389 | $1,922-79.8% | $2,689-85.5% | $2,203-82.3% |
| Participant deferral / active EE | $763 | $2,400-68.2% | $3,162-75.9% | $3,192-76.1% |
| Admin fee / account holder | $310 | $2,819-89.0% | $3,356-90.8% | $4,297-92.8% |