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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 | $10,156 | $99,032-89.7% | $80,022-87.3% | $135,379-92.5% |
| Participation rate | 30.4% | 78.4%-47.9pp | 75.8%-45.4pp | 82.6%-52.2pp |
| Annual return | -70.19% | 15.39%-85.6pp | 11.22%-81.4pp | 519.79%-590.0pp |
| Employer contribution / active EE | $1,014 | $3,043-66.7% | $2,468-58.9% | $4,779-78.8% |
| Participant deferral / active EE | $2,167 | $4,282-49.4% | $3,686-41.2% | $5,609-61.4% |
| Admin fee / account holder | $1,327 | $10,436-87.3% | $6,521-79.7% | $10,828-87.7% |