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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 | $9,487 | $57,352-83.5% | $83,830-88.7% | $64,173-85.2% |
| Participation rate | 66.7% | 68.6%-1.9pp | 76.1%-9.5pp | 69.6%-2.9pp |
| Annual return | -15.74% | 11.38%-27.1pp | 850.97%-866.7pp | 7.63%-23.4pp |
| Employer contribution / active EE | $5,203 | $2,546+104.4% | $3,631+43.3% | $2,381+118.5% |
| Participant deferral / active EE | $1,922 | $2,993-35.8% | $4,082-52.9% | $3,470-44.6% |
| Admin fee / account holder | $626 | $4,046-84.5% | $5,479-88.6% | $4,887-87.2% |