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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 | $18,388 | $92,219-80.1% | $76,768-76.0% | $135,379-86.4% |
| Participation rate | 46.7% | 79.8%-33.1pp | 77.0%-30.3pp | 82.6%-36.0pp |
| Annual return | -28.52% | 5.46%-34.0pp | 2.43%-31.0pp | 519.79%-548.3pp |
| Employer contribution / active EE | $2,977 | $3,216-7.4% | $2,485+19.8% | $4,779-37.7% |
| Participant deferral / active EE | $4,769 | $4,508+5.8% | $3,852+23.8% | $5,609-15.0% |
| Admin fee / account holder | $1,539 | $10,749-85.7% | $6,675-76.9% | $10,828-85.8% |