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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 | $9,609 | $75,962-87.3% | $154,111-93.8% | $64,173-85.0% |
| Participation rate | 46.7% | 70.4%-23.7pp | 83.0%-36.4pp | 69.6%-22.9pp |
| Annual return | -8.94% | 30.32%-39.3pp | 735.18%-744.1pp | 7.63%-16.6pp |
| Employer contribution / active EE | $751 | $3,350-77.6% | $5,298-85.8% | $2,381-68.5% |
| Participant deferral / active EE | $1,039 | $3,175-67.3% | $5,081-79.5% | $3,470-70.0% |
| Admin fee / account holder | $479 | $5,589-91.4% | $13,411-96.4% | $4,887-90.2% |