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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 | $8,829 | $57,352-84.6% | $83,831-89.5% | $64,173-86.2% |
| Participation rate | 52.2% | 68.6%-16.4pp | 76.1%-24.0pp | 69.6%-17.4pp |
| Annual return | -16.22% | 11.38%-27.6pp | 850.99%-867.2pp | 7.63%-23.9pp |
| Employer contribution / active EE | $598 | $2,546-76.5% | $3,631-83.5% | $2,381-74.9% |
| Participant deferral / active EE | $1,877 | $2,993-37.3% | $4,082-54.0% | $3,470-45.9% |
| Admin fee / account holder | $519 | $4,046-87.2% | $5,479-90.5% | $4,887-89.4% |