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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 | $14,589 | $140,578-89.6% | $100,671-85.5% | $125,389-88.4% |
| Participation rate | 60.0% | 80.4%-20.4pp | 70.7%-10.7pp | 83.2%-23.2pp |
| Annual return | -21.12% | 24.67%-45.8pp | 20.43%-41.5pp | 282.24%-303.4pp |
| Employer contribution / active EE | $1,288 | $5,965-78.4% | $4,012-67.9% | $4,866-73.5% |
| Participant deferral / active EE | $2,359 | $3,981-40.8% | $3,144-25.0% | $5,352-55.9% |
| Admin fee / account holder | $3,656 | $6,716-45.6% | $4,850-24.6% | $9,541-61.7% |