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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 | $8,511 | $95,895-91.1% | $79,576-89.3% | $134,509-93.7% |
| Participation rate | 60.0% | 75.0%-15.0pp | 69.5%-9.5pp | 81.2%-21.2pp |
| Annual return | -26.68% | -2.72%-24.0pp | 0.15%-26.8pp | 418.13%-444.8pp |
| Employer contribution / active EE | $1,273 | $3,128-59.3% | $2,413-47.3% | $4,741-73.2% |
| Participant deferral / active EE | $3,818 | $4,693-18.7% | $3,985-4.2% | $6,400-40.4% |
| Admin fee / account holder | $638 | $9,129-93.0% | $6,834-90.7% | $11,427-94.4% |