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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 | $19,100 | $232,540-91.8% | $185,117-89.7% | $147,586-87.1% |
| Participation rate | 50.0% | 82.4%-32.4pp | 77.3%-27.3pp | 82.8%-32.8pp |
| Annual return | -17.27% | 43.03%-60.3pp | 40.50%-57.8pp | 578.59%-595.9pp |
| Employer contribution / active EE | $900 | $5,195-82.7% | $4,182-78.5% | $4,876-81.5% |
| Participant deferral / active EE | $4,485 | $5,834-23.1% | $5,045-11.1% | $5,439-17.5% |
| Admin fee / account holder | $4,736 | $10,275-53.9% | $8,159-42.0% | $10,886-56.5% |