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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 | $16,342 | $72,404-77.4% | $110,243-85.2% | $64,173-74.5% |
| Participation rate | 39.5% | 73.3%-33.8pp | 79.8%-40.3pp | 69.6%-30.0pp |
| Annual return | -8.42% | -6.29%-2.1pp | 314.76%-323.2pp | 7.63%-16.1pp |
| Employer contribution / active EE | $904 | $2,282-60.4% | $3,827-76.4% | $2,381-62.0% |
| Participant deferral / active EE | $2,088 | $3,469-39.8% | $4,672-55.3% | $3,470-39.8% |
| Admin fee / account holder | $1,555 | $5,664-72.5% | $8,548-81.8% | $4,887-68.2% |