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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 | $17,530 | $95,975-81.7% | $74,549-76.5% | $135,379-87.1% |
| Participation rate | 65.2% | 75.7%-10.4pp | 69.1%-3.9pp | 82.6%-17.4pp |
| Annual return | -16.48% | 56.96%-73.4pp | 32.53%-49.0pp | 519.79%-536.3pp |
| Employer contribution / active EE | $908 | $2,716-66.6% | $1,961-53.7% | $4,779-81.0% |
| Participant deferral / active EE | $1,089 | $3,844-71.7% | $3,108-65.0% | $5,609-80.6% |
| Admin fee / account holder | $961 | $6,522-85.3% | $5,059-81.0% | $10,828-91.1% |