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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 | $12,386 | $50,199-75.3% | $69,884-82.3% | $66,938-81.5% |
| Participation rate | 29.6% | 66.3%-36.7pp | 70.5%-40.8pp | 69.8%-40.2pp |
| Annual return | -20.04% | -13.85%-6.2pp | 190.81%-210.9pp | 1.58%-21.6pp |
| Employer contribution / active EE | $926 | $1,864-50.3% | $2,560-63.8% | $2,545-63.6% |
| Participant deferral / active EE | $1,850 | $3,112-40.5% | $3,848-51.9% | $4,238-56.3% |
| Admin fee / account holder | $1,093 | $600+82.2% | $6,266-82.6% | $594+84.1% |