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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 | $5,166 | $75,962-93.2% | $154,111-96.6% | $64,173-92.0% |
| Participation rate | 66.7% | 70.4%-3.7pp | 83.0%-16.4pp | 69.6%-2.9pp |
| Annual return | -11.72% | 30.32%-42.0pp | 735.18%-746.9pp | 7.63%-19.4pp |
| Employer contribution / active EE | $464 | $3,350-86.1% | $5,298-91.2% | $2,381-80.5% |
| Participant deferral / active EE | $991 | $3,175-68.8% | $5,081-80.5% | $3,470-71.4% |
| Admin fee / account holder | $342 | $5,589-93.9% | $13,411-97.5% | $4,887-93.0% |