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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 | $6,533 | $69,541-90.6% | $59,899-89.1% | $135,380-95.2% |
| Participation rate | 25.0% | 77.8%-52.8pp | 74.7%-49.7pp | 82.6%-57.6pp |
| Annual return | -11.32% | 7.95%-19.3pp | 3.46%-14.8pp | 519.81%-531.1pp |
| Employer contribution / active EE | $548 | $3,236-83.1% | $2,723-79.9% | $4,779-88.5% |
| Participant deferral / active EE | $1,143 | $4,206-72.8% | $3,402-66.4% | $5,609-79.6% |
| Admin fee / account holder | $2,768 | $5,737-51.8% | $3,592-23.0% | $10,828-74.4% |