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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 | $23,545 | $72,404-67.5% | $110,243-78.6% | $64,173-63.3% |
| Participation rate | 35.5% | 73.3%-37.9pp | 79.8%-44.3pp | 69.6%-34.1pp |
| Annual return | -7.72% | -6.29%-1.4pp | 314.76%-322.5pp | 7.63%-15.4pp |
| Employer contribution / active EE | $1,104 | $2,282-51.6% | $3,827-71.1% | $2,381-53.6% |
| Participant deferral / active EE | $2,035 | $3,469-41.3% | $4,672-56.4% | $3,470-41.3% |
| Admin fee / account holder | $1,261 | $5,664-77.7% | $8,548-85.2% | $4,887-74.2% |