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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 | $10,377 | $56,197-81.5% | $67,652-84.7% | $59,633-82.6% |
| Participation rate | 46.9% | 71.5%-24.6pp | 75.7%-28.8pp | 68.7%-21.8pp |
| Annual return | -5.50% | 18508.10%-18513.6pp | 6625.40%-6630.9pp | 2041.45%-2046.9pp |
| Employer contribution / active EE | $1,381 | $1,615-14.4% | $2,266-39.0% | $2,203-37.3% |
| Participant deferral / active EE | $2,061 | $2,844-27.5% | $3,560-42.1% | $3,192-35.4% |
| Admin fee / account holder | $856 | $3,958-78.4% | $4,821-82.2% | $4,297-80.1% |