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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 | $5,201 | $75,962-93.2% | $154,108-96.6% | $64,173-91.9% |
| Participation rate | 57.9% | 70.4%-12.5pp | 83.0%-25.1pp | 69.6%-11.7pp |
| Annual return | -13.58% | 30.32%-43.9pp | 735.21%-748.8pp | 7.63%-21.2pp |
| Employer contribution / active EE | $687 | $3,350-79.5% | $5,298-87.0% | $2,381-71.1% |
| Participant deferral / active EE | $1,682 | $3,175-47.0% | $5,081-66.9% | $3,470-51.5% |
| Admin fee / account holder | $381 | $5,589-93.2% | $13,411-97.2% | $4,887-92.2% |