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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 | $10,883 | $44,850-75.7% | $60,547-82.0% | $59,633-81.8% |
| Participation rate | 62.1% | 59.5%+2.6pp | 68.0%-5.9pp | 68.7%-6.6pp |
| Annual return | -3.91% | 1074.14%-1078.1pp | 335.64%-339.6pp | 2041.45%-2045.4pp |
| Employer contribution / active EE | $1,106 | $1,462-24.3% | $2,419-54.3% | $2,203-49.8% |
| Participant deferral / active EE | $1,743 | $2,230-21.8% | $3,328-47.6% | $3,192-45.4% |
| Admin fee / account holder | $2,803 | $3,635-22.9% | $4,536-38.2% | $4,297-34.8% |