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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 | $5,505 | $91,911-94.0% | $68,612-92.0% | $135,380-95.9% |
| Participation rate | 62.5% | 76.7%-14.2pp | 72.2%-9.7pp | 82.6%-20.1pp |
| Annual return | -16.66% | -8.22%-8.4pp | -4.63%-12.0pp | 519.81%-536.5pp |
| Employer contribution / active EE | $1,821 | $3,924-53.6% | $2,625-30.6% | $4,779-61.9% |
| Participant deferral / active EE | $2,307 | $4,315-46.5% | $3,311-30.3% | $5,609-58.9% |
| Admin fee / account holder | $3,005 | $9,240-67.5% | $5,131-41.4% | $10,828-72.2% |