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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 | $9,469 | $45,566-79.2% | $64,105-85.2% | $59,633-84.1% |
| Participation rate | 64.3% | 60.2%+4.1pp | 68.2%-3.9pp | 68.7%-4.4pp |
| Annual return | -6.53% | 4.95%-11.5pp | 791.24%-797.8pp | 2041.45%-2048.0pp |
| Employer contribution / active EE | $607 | $934-35.0% | $1,820-66.6% | $2,203-72.4% |
| Participant deferral / active EE | $1,867 | $2,057-9.2% | $2,822-33.8% | $3,192-41.5% |
| Admin fee / account holder | $939 | $3,268-71.3% | $4,499-79.1% | $4,297-78.1% |