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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 | $12,780 | $92,219-86.1% | $76,767-83.4% | $135,380-90.6% |
| Participation rate | 44.4% | 79.8%-35.3pp | 77.0%-32.5pp | 82.6%-38.2pp |
| Annual return | -23.06% | 5.46%-28.5pp | 2.43%-25.5pp | 519.81%-542.9pp |
| Employer contribution / active EE | $1,783 | $3,216-44.6% | $2,485-28.3% | $4,779-62.7% |
| Participant deferral / active EE | $4,499 | $4,508-0.2% | $3,852+16.8% | $5,609-19.8% |
| Admin fee / account holder | $4,740 | $10,749-55.9% | $6,675-29.0% | $10,828-56.2% |