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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 | $6,042 | $75,935-92.0% | $60,547-90.0% | $125,389-95.2% |
| Participation rate | 66.7% | 76.5%-9.9pp | 68.0%-1.3pp | 83.2%-16.5pp |
| Annual return | -6.83% | -5.38%-1.4pp | 335.64%-342.5pp | 282.24%-289.1pp |
| Employer contribution / active EE | $1,573 | $3,438-54.2% | $2,419-35.0% | $4,866-67.7% |
| Participant deferral / active EE | $1,573 | $4,506-65.1% | $3,328-52.7% | $5,352-70.6% |
| Admin fee / account holder | $409 | $6,768-94.0% | $4,536-91.0% | $9,541-95.7% |