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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 | $14,031 | $113,338-87.6% | $94,993-85.2% | $147,586-90.5% |
| Participation rate | 54.2% | 78.0%-23.8pp | 73.9%-19.7pp | 82.8%-28.7pp |
| Annual return | -11.00% | 20.80%-31.8pp | 27.14%-38.1pp | 578.59%-589.6pp |
| Employer contribution / active EE | $826 | $3,160-73.9% | $2,603-68.3% | $4,876-83.1% |
| Participant deferral / active EE | $1,743 | $3,777-53.9% | $3,317-47.5% | $5,439-68.0% |
| Admin fee / account holder | $1,890 | $6,063-68.8% | $4,960-61.9% | $10,886-82.6% |