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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 | $11,012 | $72,404-84.8% | $110,243-90.0% | $64,173-82.8% |
| Participation rate | 66.7% | 73.3%-6.7pp | 79.8%-13.2pp | 69.6%-2.9pp |
| Annual return | -13.79% | -6.29%-7.5pp | 314.76%-328.5pp | 7.63%-21.4pp |
| Employer contribution / active EE | $1,500 | $2,282-34.3% | $3,827-60.8% | $2,381-37.0% |
| Participant deferral / active EE | $2,256 | $3,469-35.0% | $4,672-51.7% | $3,470-35.0% |
| Admin fee / account holder | $654 | $5,664-88.4% | $8,548-92.3% | $4,887-86.6% |