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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 | $13,324 | $87,546-84.8% | $75,784-82.4% | $125,389-89.4% |
| Participation rate | 57.1% | 80.2%-23.0pp | 75.8%-18.7pp | 83.2%-26.0pp |
| Annual return | -6.23% | 13.49%-19.7pp | 9.68%-15.9pp | 282.24%-288.5pp |
| Employer contribution / active EE | $2,776 | $3,930-29.4% | $3,323-16.5% | $4,866-43.0% |
| Participant deferral / active EE | $1,797 | $4,230-57.5% | $3,652-50.8% | $5,352-66.4% |
| Admin fee / account holder | $376 | $6,503-94.2% | $5,300-92.9% | $9,541-96.1% |