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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 | $17,821 | $94,529-81.1% | $140,019-87.3% | $64,173-72.2% |
| Participation rate | 56.7% | 84.1%-27.4pp | 87.5%-30.8pp | 69.6%-12.9pp |
| Annual return | -8.09% | 7.77%-15.9pp | 651.15%-659.2pp | 7.63%-15.7pp |
| Employer contribution / active EE | $3,595 | $3,812-5.7% | $5,605-35.9% | $2,381+51.0% |
| Participant deferral / active EE | $2,983 | $5,250-43.2% | $6,927-56.9% | $3,470-14.0% |
| Admin fee / account holder | $9,777 | $6,741+45.0% | $10,705-8.7% | $4,887+100.0% |