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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 | $7,928 | $107,809-92.6% | $90,657-91.3% | $135,379-94.1% |
| Participation rate | 66.7% | 78.0%-11.4pp | 74.0%-7.4pp | 82.6%-16.0pp |
| Annual return | -64.75% | -0.90%-63.9pp | 1.89%-66.6pp | 519.79%-584.5pp |
| Employer contribution / active EE | $942 | $3,018-68.8% | $2,532-62.8% | $4,779-80.3% |
| Participant deferral / active EE | $3,117 | $3,872-19.5% | $3,424-9.0% | $5,609-44.4% |
| Admin fee / account holder | $2,768 | $5,931-53.3% | $4,994-44.6% | $10,828-74.4% |