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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 | $7,883 | $48,274-83.7% | $63,244-87.5% | $59,633-86.8% |
| Participation rate | 63.4% | 66.3%-2.9pp | 71.0%-7.6pp | 68.7%-5.2pp |
| Annual return | -5.80% | -240.79%+235.0pp | -70.31%+64.5pp | 2041.45%-2047.3pp |
| Employer contribution / active EE | $753 | $1,586-52.6% | $2,322-67.6% | $2,203-65.8% |
| Participant deferral / active EE | $986 | $2,343-57.9% | $2,953-66.6% | $3,192-69.1% |
| Admin fee / account holder | $1,555 | $3,600-56.8% | $5,893-73.6% | $4,297-63.8% |