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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 | $6,336 | $107,809-94.1% | $90,657-93.0% | $135,379-95.3% |
| Participation rate | 36.4% | 78.0%-41.7pp | 74.0%-37.7pp | 82.6%-46.3pp |
| Annual return | -12.39% | -0.90%-11.5pp | 1.89%-14.3pp | 519.79%-532.2pp |
| Employer contribution / active EE | $855 | $3,018-71.7% | $2,532-66.2% | $4,779-82.1% |
| Participant deferral / active EE | $3,103 | $3,872-19.9% | $3,424-9.4% | $5,609-44.7% |
| Admin fee / account holder | $2,925 | $5,931-50.7% | $4,994-41.4% | $10,828-73.0% |