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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 | $14,711 | $57,350-74.3% | $83,850-82.5% | $64,181-77.1% |
| Participation rate | 60.5% | 68.6%-8.1pp | 76.1%-15.6pp | 69.6%-9.0pp |
| Annual return | -15.29% | 11.38%-26.7pp | 850.92%-866.2pp | 7.63%-22.9pp |
| Employer contribution / active EE | $2,809 | $2,545+10.4% | $3,631-22.6% | $2,381+18.0% |
| Participant deferral / active EE | $1,615 | $2,993-46.0% | $4,082-60.4% | $3,470-53.4% |
| Admin fee / account holder | $1,082 | $4,046-73.3% | $5,478-80.3% | $4,887-77.9% |