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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 | $25,991 | $87,132-70.2% | $105,624-75.4% | $80,959-67.9% |
| Participation rate | 15.6% | 70.4%-54.8pp | 75.3%-59.6pp | 67.7%-52.0pp |
| Annual return | -55.42% | 17.03%-72.5pp | 116.20%-171.6pp | 35.67%-91.1pp |
| Employer contribution / active EE | $860 | $2,397-64.1% | $3,168-72.9% | $2,757-68.8% |
| Participant deferral / active EE | $2,233 | $3,985-44.0% | $5,013-55.4% | $4,300-48.1% |
| Admin fee / account holder | $9,682 | $8,449+14.6% | $10,961-11.7% | $6,925+39.8% |