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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 | $5,532 | $69,012-92.0% | $160,009-96.5% | $68,486-91.9% |
| Participation rate | 63.6% | 65.4%-1.8pp | 78.0%-14.3pp | 67.9%-4.3pp |
| Annual return | -24.26% | -9.65%-14.6pp | 408.85%-433.1pp | -7.85%-16.4pp |
| Employer contribution / active EE | $1,522 | $2,212-31.2% | $4,225-64.0% | $2,597-41.4% |
| Participant deferral / active EE | $3,036 | $4,212-27.9% | $6,183-50.9% | $4,028-24.6% |
| Admin fee / account holder | $627 | $4,798-86.9% | $8,715-92.8% | $5,404-88.4% |