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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 | $18,468 | $92,219-80.0% | $76,767-75.9% | $135,380-86.4% |
| Participation rate | 68.8% | 79.8%-11.0pp | 77.0%-8.2pp | 82.6%-13.9pp |
| Annual return | -16.88% | 5.46%-22.3pp | 2.43%-19.3pp | 519.81%-536.7pp |
| Employer contribution / active EE | $1,375 | $3,216-57.2% | $2,485-44.7% | $4,779-71.2% |
| Participant deferral / active EE | $8,542 | $4,508+89.5% | $3,852+121.8% | $5,609+52.3% |
| Admin fee / account holder | $3,296 | $10,749-69.3% | $6,675-50.6% | $10,828-69.6% |