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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 | $9,753 | $95,188-89.8% | $76,518-87.3% | $135,380-92.8% |
| Participation rate | 50.0% | 74.4%-24.4pp | 68.0%-18.0pp | 82.6%-32.6pp |
| Annual return | -10.83% | 4.85%-15.7pp | -0.27%-10.6pp | 519.81%-530.6pp |
| Employer contribution / active EE | $850 | $3,303-74.3% | $2,647-67.9% | $4,779-82.2% |
| Participant deferral / active EE | $1,309 | $4,640-71.8% | $3,836-65.9% | $5,609-76.7% |
| Admin fee / account holder | $1,080 | $6,249-82.7% | $4,849-77.7% | $10,828-90.0% |