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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 | $13,501 | $69,012-80.4% | $160,037-91.6% | $68,490-80.3% |
| Participation rate | 41.9% | 65.4%-23.5pp | 78.0%-36.1pp | 67.9%-26.0pp |
| Annual return | -19.58% | -9.65%-9.9pp | 408.95%-428.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $855 | $2,212-61.3% | $4,226-79.8% | $2,597-67.1% |
| Participant deferral / active EE | $1,497 | $4,212-64.5% | $6,184-75.8% | $4,028-62.8% |
| Admin fee / account holder | $325 | $4,798-93.2% | $8,716-96.3% | $5,403-94.0% |