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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 | $10,691 | $45,566-76.5% | $64,105-83.3% | $59,633-82.1% |
| Participation rate | 57.1% | 60.2%-3.0pp | 68.2%-11.0pp | 68.7%-11.5pp |
| Annual return | -4.22% | 4.95%-9.2pp | 791.24%-795.5pp | 2041.40%-2045.6pp |
| Employer contribution / active EE | $472 | $934-49.5% | $1,820-74.1% | $2,203-78.6% |
| Participant deferral / active EE | $2,042 | $2,057-0.7% | $2,822-27.6% | $3,192-36.0% |
| Admin fee / account holder | $324 | $3,268-90.1% | $4,499-92.8% | $4,297-92.5% |