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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 | $17,739 | $82,674-78.5% | $125,381-85.9% | $68,486-74.1% |
| Participation rate | 62.9% | 75.1%-12.1pp | 82.4%-19.5pp | 67.9%-5.0pp |
| Annual return | -21.15% | -5.97%-15.2pp | 572.31%-593.5pp | -7.85%-13.3pp |
| Employer contribution / active EE | $1,706 | $3,382-49.6% | $4,815-64.6% | $2,597-34.3% |
| Participant deferral / active EE | $3,107 | $6,111-49.2% | $7,448-58.3% | $4,028-22.9% |
| Admin fee / account holder | $512 | $6,277-91.8% | $10,007-94.9% | $5,404-90.5% |