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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 | $12,552 | $82,678-84.8% | $125,391-90.0% | $68,490-81.7% |
| Participation rate | 53.1% | 75.1%-21.9pp | 82.4%-29.3pp | 67.9%-14.8pp |
| Annual return | -20.96% | -5.97%-15.0pp | 572.41%-593.4pp | -7.85%-13.1pp |
| Employer contribution / active EE | $1,751 | $3,382-48.2% | $4,816-63.7% | $2,597-32.6% |
| Participant deferral / active EE | $3,437 | $6,111-43.8% | $7,448-53.9% | $4,028-14.7% |
| Admin fee / account holder | $722 | $6,277-88.5% | $10,009-92.8% | $5,403-86.6% |