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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 | $14,723 | $105,861-86.1% | $90,756-83.8% | $134,509-89.1% |
| Participation rate | 42.9% | 78.2%-35.4pp | 75.7%-32.8pp | 81.2%-38.4pp |
| Annual return | -23.36% | -10.99%-12.4pp | -12.16%-11.2pp | 418.13%-441.5pp |
| Employer contribution / active EE | $1,243 | $3,463-64.1% | $2,922-57.5% | $4,741-73.8% |
| Participant deferral / active EE | $2,503 | $5,217-52.0% | $4,565-45.2% | $6,400-60.9% |
| Admin fee / account holder | $1,233 | $13,938-91.2% | $8,445-85.4% | $11,427-89.2% |