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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 | $14,179 | $167,522-91.5% | $151,639-90.6% | $134,532-89.5% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -21.32% | 7.81%-29.1pp | 3.34%-24.7pp | 418.27%-439.6pp |
| Employer contribution / active EE | $1,635 | $6,828-76.1% | $6,165-73.5% | $4,741-65.5% |
| Participant deferral / active EE | $4,960 | $8,986-44.8% | $8,363-40.7% | $6,401-22.5% |
| Admin fee / account holder | $4,184 | $13,780-69.6% | $11,613-64.0% | $11,429-63.4% |