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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 | $21,787 | $84,493-74.2% | $125,381-82.6% | $66,938-67.5% |
| Participation rate | 56.6% | 76.4%-19.8pp | 82.4%-25.8pp | 69.8%-13.2pp |
| Annual return | -18.90% | -8.49%-10.4pp | 572.31%-591.2pp | 1.58%-20.5pp |
| Employer contribution / active EE | $1,547 | $3,554-56.5% | $4,815-67.9% | $2,545-39.2% |
| Participant deferral / active EE | $3,348 | $6,783-50.6% | $7,448-55.1% | $4,238-21.0% |
| Admin fee / account holder | $2,384 | $685+248.0% | $10,007-76.2% | $594+301.7% |