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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 | $13,704 | $99,345-86.2% | $84,753-83.8% | $273,972-95.0% |
| Participation rate | 30.0% | 80.7%-50.7pp | 76.6%-46.6pp | 83.0%-53.0pp |
| Annual return | -64.17% | 22.93%-87.1pp | 22.78%-87.0pp | 41.46%-105.6pp |
| Employer contribution / active EE | $1,115 | $4,214-73.5% | $3,574-68.8% | $4,869-77.1% |
| Participant deferral / active EE | $2,589 | $4,270-39.4% | $3,712-30.2% | $5,287-51.0% |
| Admin fee / account holder | $2,802 | $6,645-57.8% | $5,333-47.5% | $10,133-72.3% |