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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 | $11,078 | $82,678-86.6% | $125,391-91.2% | $68,490-83.8% |
| Participation rate | 33.7% | 75.1%-41.4pp | 82.4%-48.7pp | 67.9%-34.2pp |
| Annual return | -27.32% | -5.97%-21.3pp | 572.41%-599.7pp | -7.85%-19.5pp |
| Employer contribution / active EE | $1,635 | $3,382-51.7% | $4,816-66.0% | $2,597-37.0% |
| Participant deferral / active EE | $3,140 | $6,111-48.6% | $7,448-57.8% | $4,028-22.0% |
| Admin fee / account holder | $1,316 | $6,277-79.0% | $10,009-86.9% | $5,403-75.6% |