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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 | $19,519 | $142,361-86.3% | $119,608-83.7% | $134,509-85.5% |
| Participation rate | 56.3% | 82.8%-26.6pp | 79.3%-23.0pp | 81.2%-25.0pp |
| Annual return | -20.37% | -12.46%-7.9pp | -14.98%-5.4pp | 418.13%-438.5pp |
| Employer contribution / active EE | $2,280 | $5,224-56.4% | $4,232-46.1% | $4,741-51.9% |
| Participant deferral / active EE | $4,228 | $6,468-34.6% | $5,601-24.5% | $6,400-33.9% |
| Admin fee / account holder | $3,657 | $13,588-73.1% | $10,326-64.6% | $11,427-68.0% |