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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 | $15,009 | $82,678-81.8% | $125,391-88.0% | $68,490-78.1% |
| Participation rate | 56.4% | 75.1%-18.7pp | 82.4%-26.0pp | 67.9%-11.5pp |
| Annual return | -19.73% | -5.97%-13.8pp | 572.41%-592.1pp | -7.85%-11.9pp |
| Employer contribution / active EE | $1,355 | $3,382-59.9% | $4,816-71.9% | $2,597-47.8% |
| Participant deferral / active EE | $4,086 | $6,111-33.1% | $7,448-45.1% | $4,028+1.5% |
| Admin fee / account holder | $2,158 | $6,277-65.6% | $10,009-78.4% | $5,403-60.1% |