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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 | $12,209 | $82,674-85.2% | $125,381-90.3% | $68,486-82.2% |
| Participation rate | 57.4% | 75.1%-17.6pp | 82.4%-24.9pp | 67.9%-10.4pp |
| Annual return | -22.58% | -5.97%-16.6pp | 572.31%-594.9pp | -7.85%-14.7pp |
| Employer contribution / active EE | $1,349 | $3,382-60.1% | $4,815-72.0% | $2,597-48.0% |
| Participant deferral / active EE | $3,086 | $6,111-49.5% | $7,448-58.6% | $4,028-23.4% |
| Admin fee / account holder | $409 | $6,277-93.5% | $10,007-95.9% | $5,404-92.4% |