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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 | $14,315 | $82,674-82.7% | $125,381-88.6% | $68,486-79.1% |
| Participation rate | 68.5% | 75.1%-6.5pp | 82.4%-13.9pp | 67.9%+0.6pp |
| Annual return | -21.21% | -5.97%-15.2pp | 572.31%-593.5pp | -7.85%-13.4pp |
| Employer contribution / active EE | $1,281 | $3,382-62.1% | $4,815-73.4% | $2,597-50.7% |
| Participant deferral / active EE | $3,710 | $6,111-39.3% | $7,448-50.2% | $4,028-7.9% |
| Admin fee / account holder | $488 | $6,277-92.2% | $10,007-95.1% | $5,404-91.0% |