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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 | $5,467 | $57,352-90.5% | $83,831-93.5% | $64,173-91.5% |
| Participation rate | 52.5% | 68.6%-16.1pp | 76.1%-23.6pp | 69.6%-17.1pp |
| Annual return | -28.82% | 11.38%-40.2pp | 850.99%-879.8pp | 7.63%-36.5pp |
| Employer contribution / active EE | $805 | $2,546-68.4% | $3,631-77.8% | $2,381-66.2% |
| Participant deferral / active EE | $1,270 | $2,993-57.6% | $4,082-68.9% | $3,470-63.4% |
| Admin fee / account holder | $497 | $4,046-87.7% | $5,479-90.9% | $4,887-89.8% |