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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 | $7,697 | $75,962-89.9% | $154,108-95.0% | $64,173-88.0% |
| Participation rate | 59.4% | 70.4%-11.0pp | 83.0%-23.7pp | 69.6%-10.2pp |
| Annual return | -23.92% | 30.32%-54.2pp | 735.21%-759.1pp | 7.63%-31.6pp |
| Employer contribution / active EE | $920 | $3,350-72.5% | $5,298-82.6% | $2,381-61.3% |
| Participant deferral / active EE | $2,117 | $3,175-33.3% | $5,081-58.3% | $3,470-39.0% |
| Admin fee / account holder | $490 | $5,589-91.2% | $13,411-96.3% | $4,887-90.0% |