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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 | $10,277 | $43,730-76.5% | $121,220-91.5% | $64,173-84.0% |
| Participation rate | 40.5% | 58.3%-17.9pp | 71.8%-31.3pp | 69.6%-29.1pp |
| Annual return | -9.74% | 68.94%-78.7pp | 16.94%-26.7pp | 7.63%-17.4pp |
| Employer contribution / active EE | $569 | $1,297-56.1% | $4,023-85.8% | $2,381-76.1% |
| Participant deferral / active EE | $1,318 | $2,281-42.2% | $3,345-60.6% | $3,470-62.0% |
| Admin fee / account holder | $808 | $3,502-76.9% | $5,021-83.9% | $4,887-83.5% |