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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 | $10,255 | $65,712-84.4% | $57,196-82.1% | $273,972-96.3% |
| Participation rate | 56.3% | 78.3%-22.1pp | 75.3%-19.1pp | 83.0%-26.8pp |
| Annual return | -7.08% | 22.01%-29.1pp | 14.59%-21.7pp | 41.46%-48.5pp |
| Employer contribution / active EE | $348 | $3,280-89.4% | $2,683-87.0% | $4,869-92.9% |
| Participant deferral / active EE | $2,761 | $3,782-27.0% | $3,096-10.8% | $5,287-47.8% |
| Admin fee / account holder | $782 | $4,838-83.8% | $3,141-75.1% | $10,133-92.3% |