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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 | $15,892 | $57,352-72.3% | $83,831-81.0% | $64,173-75.2% |
| Participation rate | 50.0% | 68.6%-18.6pp | 76.1%-26.1pp | 69.6%-19.6pp |
| Annual return | -13.57% | 11.38%-25.0pp | 850.99%-864.6pp | 7.63%-21.2pp |
| Employer contribution / active EE | $1,258 | $2,546-50.6% | $3,631-65.3% | $2,381-47.1% |
| Participant deferral / active EE | $2,616 | $2,993-12.6% | $4,082-35.9% | $3,470-24.6% |
| Admin fee / account holder | $624 | $4,046-84.6% | $5,479-88.6% | $4,887-87.2% |