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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 | $10,016 | $90,486-88.9% | $78,676-87.3% | $273,972-96.3% |
| Participation rate | 37.5% | 76.5%-39.0pp | 73.6%-36.1pp | 83.0%-45.5pp |
| Annual return | -4.27% | 75.62%-79.9pp | 62.19%-66.5pp | 41.46%-45.7pp |
| Employer contribution / active EE | $1,031 | $3,175-67.5% | $2,850-63.8% | $4,869-78.8% |
| Participant deferral / active EE | $2,435 | $3,901-37.6% | $3,517-30.7% | $5,287-53.9% |
| Admin fee / account holder | $791 | $5,263-85.0% | $4,510-82.5% | $10,133-92.2% |