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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 | $11,324 | $99,032-88.6% | $80,022-85.8% | $135,380-91.6% |
| Participation rate | 69.2% | 78.4%-9.1pp | 75.8%-6.6pp | 82.6%-13.4pp |
| Annual return | -11.73% | 15.39%-27.1pp | 11.22%-22.9pp | 519.81%-531.5pp |
| Employer contribution / active EE | $1,436 | $3,043-52.8% | $2,468-41.8% | $4,779-70.0% |
| Participant deferral / active EE | $4,956 | $4,282+15.7% | $3,686+34.5% | $5,609-11.6% |
| Admin fee / account holder | $305 | $10,436-97.1% | $6,521-95.3% | $10,828-97.2% |