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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 | $10,889 | $57,350-81.0% | $83,850-87.0% | $64,181-83.0% |
| Participation rate | 68.4% | 68.6%-0.2pp | 76.1%-7.7pp | 69.6%-1.1pp |
| Annual return | -14.18% | 11.38%-25.6pp | 850.92%-865.1pp | 7.63%-21.8pp |
| Employer contribution / active EE | $1,051 | $2,545-58.7% | $3,631-71.1% | $2,381-55.9% |
| Participant deferral / active EE | $2,635 | $2,993-12.0% | $4,082-35.5% | $3,470-24.1% |
| Admin fee / account holder | $609 | $4,046-85.0% | $5,478-88.9% | $4,887-87.5% |