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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 | $9,248 | $45,566-79.7% | $64,105-85.6% | $59,633-84.5% |
| Participation rate | 32.4% | 60.2%-27.8pp | 68.2%-35.8pp | 68.7%-36.3pp |
| Annual return | -7.28% | 4.95%-12.2pp | 791.24%-798.5pp | 2041.45%-2048.7pp |
| Employer contribution / active EE | $619 | $934-33.7% | $1,820-66.0% | $2,203-71.9% |
| Participant deferral / active EE | $1,655 | $2,057-19.5% | $2,822-41.3% | $3,192-48.1% |
| Admin fee / account holder | $661 | $3,268-79.8% | $4,499-85.3% | $4,297-84.6% |