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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 | $18,262 | $49,451-63.1% | $79,580-77.1% | $66,938-72.7% |
| Participation rate | 63.4% | 61.3%+2.0pp | 69.5%-6.1pp | 69.8%-6.4pp |
| Annual return | -19.53% | 84.25%-103.8pp | 0.15%-19.7pp | 1.58%-21.1pp |
| Employer contribution / active EE | $2,135 | $1,266+68.7% | $2,413-11.6% | $2,545-16.1% |
| Participant deferral / active EE | $2,990 | $3,159-5.3% | $3,985-25.0% | $4,238-29.5% |
| Admin fee / account holder | $584 | $595-1.8% | $6,835-91.5% | $594-1.6% |