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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 | $12,686 | $86,701-85.4% | $73,309-82.7% | $125,389-89.9% |
| Participation rate | 66.7% | 78.6%-11.9pp | 74.9%-8.2pp | 83.2%-16.5pp |
| Annual return | -3.92% | 2.78%-6.7pp | 5.67%-9.6pp | 282.24%-286.2pp |
| Employer contribution / active EE | $1,917 | $4,152-53.8% | $3,237-40.8% | $4,866-60.6% |
| Participant deferral / active EE | $2,982 | $5,549-46.3% | $4,991-40.2% | $5,352-44.3% |
| Admin fee / account holder | $686 | $7,768-91.2% | $5,635-87.8% | $9,541-92.8% |