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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 | $11,086 | $133,981-91.7% | $112,249-90.1% | $134,532-91.8% |
| Participation rate | 60.9% | 78.6%-17.7pp | 75.1%-14.2pp | 81.2%-20.4pp |
| Annual return | -21.16% | 47.16%-68.3pp | 27.48%-48.6pp | 418.27%-439.4pp |
| Employer contribution / active EE | $1,952 | $4,040-51.7% | $3,636-46.3% | $4,741-58.8% |
| Participant deferral / active EE | $3,226 | $5,292-39.0% | $4,729-31.8% | $6,401-49.6% |
| Admin fee / account holder | $417 | $7,492-94.4% | $6,412-93.5% | $11,429-96.3% |