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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 | $12,999 | $41,854-68.9% | $73,836-82.4% | $52,331-75.2% |
| Participation rate | 65.3% | 66.2%-1.0pp | 73.4%-8.2pp | 68.1%-2.9pp |
| Annual return | -2.09% | 2.11%-4.2pp | 2268.06%-2270.1pp | 4.54%-6.6pp |
| Employer contribution / active EE | $633 | $1,920-67.0% | $2,787-77.3% | $1,882-66.3% |
| Participant deferral / active EE | $993 | $2,498-60.3% | $3,583-72.3% | $3,022-67.2% |
| Admin fee / account holder | $452 | $493-8.2% | $4,882-90.7% | $592-23.5% |