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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 | $16,621 | $82,674-79.9% | $125,381-86.7% | $68,486-75.7% |
| Participation rate | 68.0% | 75.1%-7.1pp | 82.4%-14.4pp | 67.9%+0.1pp |
| Annual return | -20.72% | -5.97%-14.8pp | 572.31%-593.0pp | -7.85%-12.9pp |
| Employer contribution / active EE | $1,832 | $3,382-45.8% | $4,815-61.9% | $2,597-29.4% |
| Participant deferral / active EE | $3,354 | $6,111-45.1% | $7,448-55.0% | $4,028-16.7% |
| Admin fee / account holder | $2,726 | $6,277-56.6% | $10,007-72.8% | $5,404-49.6% |