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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 | $9,134 | $110,337-91.7% | $102,383-91.1% | $145,877-93.7% |
| Participation rate | 55.6% | 77.9%-22.4pp | 74.5%-19.0pp | 80.3%-24.7pp |
| Annual return | -10.74% | 24.83%-35.6pp | 24.94%-35.7pp | 551.28%-562.0pp |
| Employer contribution / active EE | $1,826 | $4,216-56.7% | $3,870-52.8% | $4,663-60.8% |
| Participant deferral / active EE | $2,865 | $5,621-49.0% | $5,060-43.4% | $6,691-57.2% |
| Admin fee / account holder | $1,897 | $9,750-80.5% | $8,391-77.4% | $13,402-85.8% |