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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 | $7,761 | $134,001-94.2% | $112,258-93.1% | $134,509-94.2% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -46.99% | 47.15%-94.1pp | 27.47%-74.5pp | 418.13%-465.1pp |
| Employer contribution / active EE | $1,204 | $4,039-70.2% | $3,636-66.9% | $4,741-74.6% |
| Participant deferral / active EE | $3,492 | $5,291-34.0% | $4,728-26.1% | $6,400-45.4% |
| Admin fee / account holder | $719 | $7,491-90.4% | $6,411-88.8% | $11,427-93.7% |