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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 | $7,162 | $95,895-92.5% | $79,576-91.0% | $134,509-94.7% |
| Participation rate | 60.0% | 75.0%-15.0pp | 69.5%-9.5pp | 81.2%-21.2pp |
| Annual return | -43.56% | -2.72%-40.8pp | 0.15%-43.7pp | 418.13%-461.7pp |
| Employer contribution / active EE | $803 | $3,128-74.3% | $2,413-66.7% | $4,741-83.1% |
| Participant deferral / active EE | $2,835 | $4,693-39.6% | $3,985-28.9% | $6,400-55.7% |
| Admin fee / account holder | $889 | $9,129-90.3% | $6,834-87.0% | $11,427-92.2% |