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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 | $11,177 | $72,177-84.5% | $115,037-90.3% | $59,632-81.3% |
| Participation rate | 35.5% | 72.6%-37.1pp | 81.4%-45.9pp | 68.7%-33.2pp |
| Annual return | -5.22% | 12.02%-17.2pp | 26.14%-31.4pp | 2041.32%-2046.5pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,281 | $4,783+10.4% | $6,026-12.4% | $3,192+65.5% |
| Admin fee / account holder | $3,525 | $4,927-28.5% | $8,175-56.9% | $4,297-18.0% |