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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 | $8,515 | $97,027-91.2% | $83,323-89.8% | $135,382-93.7% |
| Participation rate | 64.3% | 80.4%-16.1pp | 77.8%-13.5pp | 82.6%-18.4pp |
| Annual return | -15.12% | 12.31%-27.4pp | 10.63%-25.8pp | 519.77%-534.9pp |
| Employer contribution / active EE | $3,535 | $4,143-14.7% | $3,379+4.6% | $4,779-26.0% |
| Participant deferral / active EE | $7,012 | $5,964+17.6% | $5,565+26.0% | $5,609+25.0% |
| Admin fee / account holder | $11,110 | $8,427+31.8% | $7,539+47.4% | $10,829+2.6% |