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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 | $5,244 | $46,360-88.7% | $147,617-96.4% | $52,331-90.0% |
| Participation rate | 45.5% | 64.9%-19.4pp | 84.6%-39.1pp | 68.1%-22.6pp |
| Annual return | -4.91% | 1.62%-6.5pp | 61.98%-66.9pp | 4.54%-9.5pp |
| Employer contribution / active EE | $669 | $2,126-68.5% | $5,564-88.0% | $1,882-64.4% |
| Participant deferral / active EE | $950 | $2,258-57.9% | $4,895-80.6% | $3,022-68.6% |
| Admin fee / account holder | $535 | $766-30.1% | $11,612-95.4% | $592-9.6% |