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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 | $5,394 | $44,850-88.0% | $60,547-91.1% | $59,633-91.0% |
| Participation rate | 34.0% | 59.5%-25.5pp | 68.0%-34.0pp | 68.7%-34.7pp |
| Annual return | -3.71% | 1074.14%-1077.9pp | 335.64%-339.4pp | 2041.45%-2045.2pp |
| Employer contribution / active EE | $630 | $1,462-56.9% | $2,419-74.0% | $2,203-71.4% |
| Participant deferral / active EE | $822 | $2,230-63.1% | $3,328-75.3% | $3,192-74.3% |
| Admin fee / account holder | $639 | $3,635-82.4% | $4,536-85.9% | $4,297-85.1% |