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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 | $14,473 | $138,076-89.5% | $123,553-88.3% | $135,380-89.3% |
| Participation rate | 57.1% | 84.7%-27.6pp | 82.3%-25.2pp | 82.6%-25.5pp |
| Annual return | -14.49% | 153.70%-168.2pp | 119.21%-133.7pp | 519.81%-534.3pp |
| Employer contribution / active EE | $1,632 | $5,152-68.3% | $4,628-64.7% | $4,779-65.8% |
| Participant deferral / active EE | $4,526 | $6,800-33.4% | $6,426-29.6% | $5,609-19.3% |
| Admin fee / account holder | $1,252 | $10,917-88.5% | $9,284-86.5% | $10,828-88.4% |