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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 | $5,713 | $52,519-89.1% | $155,789-96.3% | $59,633-90.4% |
| Participation rate | 55.2% | 61.7%-6.5pp | 76.1%-20.9pp | 68.7%-13.5pp |
| Annual return | -8.57% | 53.51%-62.1pp | 71.54%-80.1pp | 2041.45%-2050.0pp |
| Employer contribution / active EE | $1,031 | $1,589-35.1% | $3,839-73.1% | $2,203-53.2% |
| Participant deferral / active EE | $1,689 | $3,084-45.3% | $4,798-64.8% | $3,192-47.1% |
| Admin fee / account holder | $727 | $3,540-79.5% | $7,477-90.3% | $4,297-83.1% |