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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 | $10,984 | $94,529-88.4% | $140,019-92.2% | $64,173-82.9% |
| Participation rate | 56.0% | 84.1%-28.1pp | 87.5%-31.5pp | 69.6%-13.6pp |
| Annual return | -19.77% | 7.77%-27.5pp | 651.17%-670.9pp | 7.63%-27.4pp |
| Employer contribution / active EE | $1,601 | $3,812-58.0% | $5,605-71.4% | $2,381-32.7% |
| Participant deferral / active EE | $4,183 | $5,250-20.3% | $6,927-39.6% | $3,470+20.6% |
| Admin fee / account holder | $1,366 | $6,741-79.7% | $10,705-87.2% | $4,887-72.0% |