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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 | $13,668 | $72,404-81.1% | $110,243-87.6% | $64,173-78.7% |
| Participation rate | 38.6% | 73.3%-34.7pp | 79.8%-41.2pp | 69.6%-31.0pp |
| Annual return | -106.37% | -6.29%-100.1pp | 314.76%-421.1pp | 7.63%-114.0pp |
| Employer contribution / active EE | $3,022 | $2,282+32.5% | $3,827-21.0% | $2,381+26.9% |
| Participant deferral / active EE | $3,528 | $3,469+1.7% | $4,672-24.5% | $3,470+1.7% |
| Admin fee / account holder | $456 | $5,664-92.0% | $8,548-94.7% | $4,887-90.7% |