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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 | $12,100 | $90,486-86.6% | $78,676-84.6% | $273,972-95.6% |
| Participation rate | 44.4% | 76.5%-32.1pp | 73.6%-29.1pp | 83.0%-38.6pp |
| Annual return | -4.37% | 75.62%-80.0pp | 62.19%-66.6pp | 41.46%-45.8pp |
| Employer contribution / active EE | $669 | $3,175-78.9% | $2,850-76.5% | $4,869-86.3% |
| Participant deferral / active EE | $2,507 | $3,901-35.7% | $3,517-28.7% | $5,287-52.6% |
| Admin fee / account holder | $750 | $5,263-85.8% | $4,510-83.4% | $10,133-92.6% |