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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 | $18,328 | $135,956-86.5% | $123,894-85.2% | $273,972-93.3% |
| Participation rate | 31.6% | 84.1%-52.5pp | 81.4%-49.8pp | 83.0%-51.4pp |
| Annual return | -18.21% | 56.63%-74.8pp | 47.52%-65.7pp | 41.46%-59.7pp |
| Employer contribution / active EE | $0 | $5,170-100.0% | $4,617-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,563 | $6,343-59.6% | $5,984-57.2% | $5,287-51.5% |
| Admin fee / account holder | $3,794 | $9,817-61.4% | $8,357-54.6% | $10,133-62.6% |