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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 | $10,368 | $72,404-85.7% | $110,243-90.6% | $64,173-83.8% |
| Participation rate | 60.8% | 73.3%-12.6pp | 79.8%-19.0pp | 69.6%-8.8pp |
| Annual return | -12.03% | -6.29%-5.7pp | 314.76%-326.8pp | 7.63%-19.7pp |
| Employer contribution / active EE | $1,253 | $2,282-45.1% | $3,827-67.2% | $2,381-47.4% |
| Participant deferral / active EE | $1,758 | $3,469-49.3% | $4,672-62.4% | $3,470-49.3% |
| Admin fee / account holder | $1,014 | $5,664-82.1% | $8,548-88.1% | $4,887-79.3% |