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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 | $10,711 | $211,946-94.9% | $169,452-93.7% | $135,380-92.1% |
| Participation rate | 62.5% | 82.6%-20.1pp | 77.8%-15.3pp | 82.6%-20.1pp |
| Annual return | -25.97% | 3.26%-29.2pp | 1.83%-27.8pp | 519.81%-545.8pp |
| Employer contribution / active EE | $1,596 | $5,117-68.8% | $4,157-61.6% | $4,779-66.6% |
| Participant deferral / active EE | $3,383 | $6,075-44.3% | $5,277-35.9% | $5,609-39.7% |
| Admin fee / account holder | $1,346 | $11,472-88.3% | $9,110-85.2% | $10,828-87.6% |