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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 | $11,204 | $167,362-93.3% | $143,799-92.2% | $134,532-91.7% |
| Participation rate | 64.3% | 84.8%-20.5pp | 80.3%-16.0pp | 81.2%-16.9pp |
| Annual return | -27.81% | 0.47%-28.3pp | -0.04%-27.8pp | 418.27%-446.1pp |
| Employer contribution / active EE | $1,561 | $5,620-72.2% | $4,952-68.5% | $4,741-67.1% |
| Participant deferral / active EE | $2,539 | $6,447-60.6% | $5,638-55.0% | $6,401-60.3% |
| Admin fee / account holder | $1,340 | $18,094-92.6% | $14,677-90.9% | $11,429-88.3% |