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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 | $10,246 | $69,518-85.3% | $59,883-82.9% | $135,382-92.4% |
| Participation rate | 47.1% | 77.8%-30.8pp | 74.7%-27.6pp | 82.6%-35.6pp |
| Annual return | -28.14% | 7.95%-36.1pp | 3.46%-31.6pp | 519.77%-547.9pp |
| Employer contribution / active EE | $583 | $3,235-82.0% | $2,722-78.6% | $4,779-87.8% |
| Participant deferral / active EE | $1,756 | $4,204-58.2% | $3,402-48.4% | $5,609-68.7% |
| Admin fee / account holder | $1,499 | $5,734-73.9% | $3,591-58.2% | $10,829-86.2% |