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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 | $12,253 | $75,962-83.9% | $154,111-92.0% | $64,173-80.9% |
| Participation rate | 61.0% | 70.4%-9.4pp | 83.0%-22.1pp | 69.6%-8.6pp |
| Annual return | -11.07% | 30.32%-41.4pp | 735.18%-746.3pp | 7.63%-18.7pp |
| Employer contribution / active EE | $1,209 | $3,350-63.9% | $5,298-77.2% | $2,381-49.2% |
| Participant deferral / active EE | $2,813 | $3,175-11.4% | $5,081-44.6% | $3,470-18.9% |
| Admin fee / account holder | $566 | $5,589-89.9% | $13,411-95.8% | $4,887-88.4% |