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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 | $11,304 | $106,247-89.4% | $96,515-88.3% | $139,466-91.9% |
| Participation rate | 42.9% | 77.8%-35.0pp | 74.3%-31.5pp | 80.3%-37.5pp |
| Annual return | -8.88% | 38.47%-47.3pp | 35.73%-44.6pp | 373.66%-382.5pp |
| Employer contribution / active EE | $827 | $4,106-79.9% | $3,740-77.9% | $4,754-82.6% |
| Participant deferral / active EE | $2,608 | $5,456-52.2% | $4,880-46.6% | $6,712-61.1% |
| Admin fee / account holder | $2,348 | $7,885-70.2% | $6,735-65.1% | $11,409-79.4% |