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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 | $17,776 | $127,386-86.0% | $115,037-84.5% | $125,388-85.8% |
| Participation rate | 35.7% | 84.2%-48.4pp | 81.4%-45.7pp | 83.2%-47.5pp |
| Annual return | -8.03% | 31.28%-39.3pp | 26.14%-34.2pp | 282.24%-290.3pp |
| Employer contribution / active EE | $974 | $5,166-81.1% | $4,608-78.9% | $4,866-80.0% |
| Participant deferral / active EE | $6,210 | $6,423-3.3% | $6,026+3.1% | $5,352+16.0% |
| Admin fee / account holder | $1,177 | $9,516-87.6% | $8,175-85.6% | $9,541-87.7% |