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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 | $5,352 | $57,352-90.7% | $83,831-93.6% | $64,173-91.7% |
| Participation rate | 57.8% | 68.6%-10.8pp | 76.1%-18.3pp | 69.6%-11.8pp |
| Annual return | -27.22% | 11.38%-38.6pp | 850.99%-878.2pp | 7.63%-34.9pp |
| Employer contribution / active EE | $1,326 | $2,546-47.9% | $3,631-63.5% | $2,381-44.3% |
| Participant deferral / active EE | $1,930 | $2,993-35.5% | $4,082-52.7% | $3,470-44.4% |
| Admin fee / account holder | $711 | $4,046-82.4% | $5,479-87.0% | $4,887-85.4% |