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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 | $13,134 | $59,107-77.8% | $86,439-84.8% | $68,495-80.8% |
| Participation rate | 65.6% | 75.2%-9.6pp | 80.3%-14.7pp | 67.9%-2.3pp |
| Annual return | -28.84% | -0.23%-28.6pp | 4395.55%-4424.4pp | -7.84%-21.0pp |
| Employer contribution / active EE | $1,604 | $2,519-36.3% | $3,769-57.4% | $2,596-38.2% |
| Participant deferral / active EE | $4,862 | $5,901-17.6% | $6,952-30.1% | $4,028+20.7% |
| Admin fee / account holder | $1,014 | $5,637-82.0% | $6,732-84.9% | $5,403-81.2% |