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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 | $20,087 | $56,200-64.3% | $67,653-70.3% | $59,633-66.3% |
| Participation rate | 69.4% | 71.5%-2.0pp | 75.7%-6.2pp | 68.7%+0.8pp |
| Annual return | -2.58% | 18506.71%-18509.3pp | 6625.22%-6627.8pp | 2041.40%-2044.0pp |
| Employer contribution / active EE | $598 | $1,615-62.9% | $2,266-73.6% | $2,203-72.8% |
| Participant deferral / active EE | $1,578 | $2,843-44.5% | $3,560-55.7% | $3,192-50.6% |
| Admin fee / account holder | $414 | $3,959-89.5% | $4,821-91.4% | $4,297-90.4% |