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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 | $15,523 | $43,730-64.5% | $121,220-87.2% | $64,173-75.8% |
| Participation rate | 52.4% | 58.3%-6.0pp | 71.8%-19.4pp | 69.6%-17.2pp |
| Annual return | -9.22% | 68.94%-78.2pp | 16.94%-26.2pp | 7.63%-16.9pp |
| Employer contribution / active EE | $402 | $1,297-69.0% | $4,023-90.0% | $2,381-83.1% |
| Participant deferral / active EE | $983 | $2,281-56.9% | $3,345-70.6% | $3,470-71.7% |
| Admin fee / account holder | $1,139 | $3,502-67.5% | $5,021-77.3% | $4,887-76.7% |