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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 | $17,794 | $82,674-78.5% | $125,363-85.8% | $68,495-74.0% |
| Participation rate | 60.0% | 75.0%-15.0pp | 82.4%-22.4pp | 67.9%-7.9pp |
| Annual return | -20.59% | -5.97%-14.6pp | 572.15%-592.7pp | -7.84%-12.7pp |
| Employer contribution / active EE | $2,127 | $3,382-37.1% | $4,815-55.8% | $2,596-18.1% |
| Participant deferral / active EE | $4,078 | $6,111-33.3% | $7,447-45.2% | $4,028+1.2% |
| Admin fee / account holder | $2,323 | $6,276-63.0% | $10,005-76.8% | $5,403-57.0% |