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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 | $8,460 | $92,219-90.8% | $76,767-89.0% | $135,380-93.8% |
| Participation rate | 33.3% | 79.8%-46.4pp | 77.0%-43.6pp | 82.6%-49.3pp |
| Annual return | -17.17% | 5.46%-22.6pp | 2.43%-19.6pp | 519.81%-537.0pp |
| Employer contribution / active EE | $723 | $3,216-77.5% | $2,485-70.9% | $4,779-84.9% |
| Participant deferral / active EE | $2,135 | $4,508-52.7% | $3,852-44.6% | $5,609-61.9% |
| Admin fee / account holder | $1,106 | $10,749-89.7% | $6,675-83.4% | $10,828-89.8% |