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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 | $10,549 | $140,592-92.5% | $123,105-91.4% | $125,389-91.6% |
| Participation rate | 57.1% | 88.2%-31.1pp | 86.8%-29.6pp | 83.2%-26.0pp |
| Annual return | -10.68% | 16.80%-27.5pp | 13.22%-23.9pp | 282.24%-292.9pp |
| Employer contribution / active EE | $3,112 | $6,041-48.5% | $5,151-39.6% | $4,866-36.1% |
| Participant deferral / active EE | $3,709 | $6,980-46.9% | $6,229-40.5% | $5,352-30.7% |
| Admin fee / account holder | $564 | $11,198-95.0% | $9,014-93.7% | $9,541-94.1% |