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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 | $6,468 | $57,352-88.7% | $83,831-92.3% | $64,173-89.9% |
| Participation rate | 29.6% | 68.6%-39.0pp | 76.1%-46.5pp | 69.6%-39.9pp |
| Annual return | -26.12% | 11.38%-37.5pp | 850.99%-877.1pp | 7.63%-33.8pp |
| Employer contribution / active EE | $953 | $2,546-62.6% | $3,631-73.8% | $2,381-60.0% |
| Participant deferral / active EE | $1,415 | $2,993-52.7% | $4,082-65.3% | $3,470-59.2% |
| Admin fee / account holder | $535 | $4,046-86.8% | $5,479-90.2% | $4,887-89.1% |