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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 | $17,407 | $98,776-82.4% | $149,745-88.4% | $79,856-78.2% |
| Participation rate | 54.5% | 75.8%-21.2pp | 82.5%-27.9pp | 69.6%-15.1pp |
| Annual return | -25.05% | 27.38%-52.4pp | 276.72%-301.8pp | 31.71%-56.8pp |
| Employer contribution / active EE | $937 | $3,217-70.9% | $4,646-79.8% | $2,471-62.1% |
| Participant deferral / active EE | $4,261 | $5,681-25.0% | $6,843-37.7% | $3,741+13.9% |
| Admin fee / account holder | $8,893 | $6,053+46.9% | $9,312-4.5% | $5,306+67.6% |