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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 | $8,134 | $92,219-91.2% | $76,766-89.4% | $135,382-94.0% |
| Participation rate | 68.4% | 79.8%-11.3pp | 77.0%-8.5pp | 82.6%-14.2pp |
| Annual return | -13.37% | 5.46%-18.8pp | 2.43%-15.8pp | 519.77%-533.1pp |
| Employer contribution / active EE | $1,049 | $3,216-67.4% | $2,485-57.8% | $4,779-78.1% |
| Participant deferral / active EE | $2,333 | $4,508-48.3% | $3,851-39.4% | $5,609-58.4% |
| Admin fee / account holder | $437 | $10,749-95.9% | $6,675-93.5% | $10,829-96.0% |