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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 | $8,286 | $156,398-94.7% | $147,318-94.4% | $138,895-94.0% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 79.9%-29.9pp |
| Annual return | -47.11% | 78.75%-125.9pp | 70.43%-117.5pp | 145.39%-192.5pp |
| Employer contribution / active EE | $1,040 | $4,853-78.6% | $4,593-77.4% | $4,194-75.2% |
| Participant deferral / active EE | $3,078 | $8,237-62.6% | $7,906-61.1% | $6,396-51.9% |
| Admin fee / account holder | $1,122 | $14,976-92.5% | $13,708-91.8% | $12,562-91.1% |