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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 | $18,944 | $85,766-77.9% | $136,298-86.1% | $70,126-73.0% |
| Participation rate | 52.8% | 74.2%-21.4pp | 81.9%-29.1pp | 69.5%-16.8pp |
| Annual return | -6.22% | 31.46%-37.7pp | 5156.27%-5162.5pp | 73.15%-79.4pp |
| Employer contribution / active EE | $2,733 | $2,966-7.8% | $4,696-41.8% | $2,343+16.7% |
| Participant deferral / active EE | $2,957 | $5,051-41.5% | $6,247-52.7% | $3,332-11.2% |
| Admin fee / account holder | $7,610 | $5,421+40.4% | $9,244-17.7% | $4,645+63.8% |