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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 | $17,195 | $56,197-69.4% | $67,652-74.6% | $59,633-71.2% |
| Participation rate | 63.4% | 71.5%-8.1pp | 75.7%-12.3pp | 68.7%-5.3pp |
| Annual return | -4.85% | 18508.10%-18513.0pp | 6625.40%-6630.2pp | 2041.45%-2046.3pp |
| Employer contribution / active EE | $419 | $1,615-74.0% | $2,266-81.5% | $2,203-81.0% |
| Participant deferral / active EE | $2,476 | $2,844-12.9% | $3,560-30.4% | $3,192-22.4% |
| Admin fee / account holder | $668 | $3,958-83.1% | $4,821-86.1% | $4,297-84.4% |