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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 | $9,052 | $77,908-88.4% | $149,696-94.0% | $75,173-88.0% |
| Participation rate | 36.7% | 65.6%-28.9pp | 78.8%-42.1pp | 67.2%-30.5pp |
| Annual return | -21.46% | 31.73%-53.2pp | 134.46%-155.9pp | 160.72%-182.2pp |
| Employer contribution / active EE | $1,140 | $3,138-63.7% | $4,821-76.3% | $2,671-57.3% |
| Participant deferral / active EE | $1,819 | $3,411-46.7% | $5,682-68.0% | $4,126-55.9% |
| Admin fee / account holder | $2,783 | $5,950-53.2% | $13,212-78.9% | $5,651-50.7% |