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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 | $11,197 | $69,012-83.8% | $160,009-93.0% | $68,486-83.7% |
| Participation rate | 52.6% | 65.4%-12.8pp | 78.0%-25.3pp | 67.9%-15.3pp |
| Annual return | -45.21% | -9.65%-35.6pp | 408.85%-454.1pp | -7.85%-37.4pp |
| Employer contribution / active EE | $2,124 | $2,212-4.0% | $4,225-49.7% | $2,597-18.2% |
| Participant deferral / active EE | $3,550 | $4,212-15.7% | $6,183-42.6% | $4,028-11.9% |
| Admin fee / account holder | $434 | $4,798-91.0% | $8,715-95.0% | $5,404-92.0% |