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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 | $10,349 | $97,020-89.3% | $83,327-87.6% | $135,380-92.4% |
| Participation rate | 45.5% | 80.4%-35.0pp | 77.8%-32.3pp | 82.6%-37.2pp |
| Annual return | -28.81% | 12.31%-41.1pp | 10.64%-39.4pp | 519.81%-548.6pp |
| Employer contribution / active EE | $1,228 | $4,144-70.4% | $3,379-63.7% | $4,779-74.3% |
| Participant deferral / active EE | $3,185 | $5,964-46.6% | $5,565-42.8% | $5,609-43.2% |
| Admin fee / account holder | $435 | $8,426-94.8% | $7,540-94.2% | $10,828-96.0% |