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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 | $15,369 | $82,674-81.4% | $125,363-87.7% | $68,495-77.6% |
| Participation rate | 53.3% | 75.0%-21.7pp | 82.4%-29.0pp | 67.9%-14.6pp |
| Annual return | -20.66% | -5.97%-14.7pp | 572.15%-592.8pp | -7.84%-12.8pp |
| Employer contribution / active EE | $1,672 | $3,382-50.6% | $4,815-65.3% | $2,596-35.6% |
| Participant deferral / active EE | $2,862 | $6,111-53.2% | $7,447-61.6% | $4,028-28.9% |
| Admin fee / account holder | $820 | $6,276-86.9% | $10,005-91.8% | $5,403-84.8% |