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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 | $10,880 | $167,362-93.5% | $143,799-92.4% | $134,532-91.9% |
| Participation rate | 38.9% | 84.8%-45.9pp | 80.3%-41.4pp | 81.2%-42.3pp |
| Annual return | -22.86% | 0.47%-23.3pp | -0.04%-22.8pp | 418.27%-441.1pp |
| Employer contribution / active EE | $1,234 | $5,620-78.1% | $4,952-75.1% | $4,741-74.0% |
| Participant deferral / active EE | $2,140 | $6,447-66.8% | $5,638-62.0% | $6,401-66.6% |
| Admin fee / account holder | $979 | $18,094-94.6% | $14,677-93.3% | $11,429-91.4% |