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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 | $8,425 | $113,941-92.6% | $94,229-91.1% | $125,389-93.3% |
| Participation rate | 16.7% | 82.9%-66.2pp | 78.8%-62.1pp | 83.2%-66.5pp |
| Annual return | -6.18% | 5.29%-11.5pp | 10.68%-16.9pp | 282.24%-288.4pp |
| Employer contribution / active EE | $956 | $4,727-79.8% | $3,587-73.4% | $4,866-80.4% |
| Participant deferral / active EE | $1,939 | $5,179-62.6% | $4,320-55.1% | $5,352-63.8% |
| Admin fee / account holder | $891 | $8,392-89.4% | $6,269-85.8% | $9,541-90.7% |