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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 | $8,279 | $87,546-90.5% | $75,784-89.1% | $125,389-93.4% |
| Participation rate | 46.7% | 80.2%-33.5pp | 75.8%-29.2pp | 83.2%-36.5pp |
| Annual return | -4.29% | 13.49%-17.8pp | 9.68%-14.0pp | 282.24%-286.5pp |
| Employer contribution / active EE | $0 | $3,930-100.0% | $3,323-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,473 | $4,230-65.2% | $3,652-59.7% | $5,352-72.5% |
| Admin fee / account holder | $1,131 | $6,503-82.6% | $5,300-78.7% | $9,541-88.1% |