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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 | $6,478 | $95,188-93.2% | $76,518-91.5% | $135,380-95.2% |
| Participation rate | 56.5% | 74.4%-17.9pp | 68.0%-11.5pp | 82.6%-26.1pp |
| Annual return | -10.40% | 4.85%-15.3pp | -0.27%-10.1pp | 519.81%-530.2pp |
| Employer contribution / active EE | $0 | $3,303-100.0% | $2,647-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $4,748 | $4,640+2.3% | $3,836+23.8% | $5,609-15.4% |
| Admin fee / account holder | $2,565 | $6,249-59.0% | $4,849-47.1% | $10,828-76.3% |