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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 | $13,979 | $82,674-83.1% | $125,363-88.8% | $68,495-79.6% |
| Participation rate | 59.4% | 75.0%-15.7pp | 82.4%-23.0pp | 67.9%-8.5pp |
| Annual return | -21.88% | -5.97%-15.9pp | 572.15%-594.0pp | -7.84%-14.0pp |
| Employer contribution / active EE | $1,146 | $3,382-66.1% | $4,815-76.2% | $2,596-55.9% |
| Participant deferral / active EE | $4,003 | $6,111-34.5% | $7,447-46.3% | $4,028-0.6% |
| Admin fee / account holder | $331 | $6,276-94.7% | $10,005-96.7% | $5,403-93.9% |