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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 | $7,086 | $91,911-92.3% | $68,612-89.7% | $135,379-94.8% |
| Participation rate | 63.2% | 76.7%-13.6pp | 72.2%-9.1pp | 82.6%-19.5pp |
| Annual return | -27.78% | -8.22%-19.6pp | -4.63%-23.1pp | 519.79%-547.6pp |
| Employer contribution / active EE | $2,342 | $3,924-40.3% | $2,625-10.8% | $4,779-51.0% |
| Participant deferral / active EE | $3,691 | $4,315-14.5% | $3,311+11.5% | $5,609-34.2% |
| Admin fee / account holder | $2,140 | $9,240-76.8% | $5,131-58.3% | $10,828-80.2% |