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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 | $15,794 | $82,674-80.9% | $125,381-87.4% | $68,486-76.9% |
| Participation rate | 51.7% | 75.1%-23.3pp | 82.4%-30.7pp | 67.9%-16.2pp |
| Annual return | -22.64% | -5.97%-16.7pp | 572.31%-594.9pp | -7.85%-14.8pp |
| Employer contribution / active EE | $1,405 | $3,382-58.5% | $4,815-70.8% | $2,597-45.9% |
| Participant deferral / active EE | $2,693 | $6,111-55.9% | $7,448-63.8% | $4,028-33.1% |
| Admin fee / account holder | $602 | $6,277-90.4% | $10,007-94.0% | $5,404-88.9% |