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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 | $9,506 | $127,387-92.5% | $115,038-91.7% | $125,389-92.4% |
| Participation rate | 33.3% | 84.2%-50.8pp | 81.4%-48.0pp | 83.2%-49.9pp |
| Annual return | -43.82% | 31.28%-75.1pp | 26.14%-70.0pp | 282.24%-326.1pp |
| Employer contribution / active EE | $1,383 | $5,166-73.2% | $4,608-70.0% | $4,866-71.6% |
| Participant deferral / active EE | $2,887 | $6,423-55.1% | $6,026-52.1% | $5,352-46.1% |
| Admin fee / account holder | $3,303 | $9,516-65.3% | $8,175-59.6% | $9,541-65.4% |