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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 | $10,001 | $133,981-92.5% | $112,249-91.1% | $134,532-92.6% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -20.89% | 47.16%-68.0pp | 27.48%-48.4pp | 418.27%-439.2pp |
| Employer contribution / active EE | $1,600 | $4,040-60.4% | $3,636-56.0% | $4,741-66.2% |
| Participant deferral / active EE | $1,862 | $5,292-64.8% | $4,729-60.6% | $6,401-70.9% |
| Admin fee / account holder | $734 | $7,492-90.2% | $6,412-88.6% | $11,429-93.6% |