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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 | $12,755 | $82,674-84.6% | $125,381-89.8% | $68,486-81.4% |
| Participation rate | 64.7% | 75.1%-10.3pp | 82.4%-17.7pp | 67.9%-3.2pp |
| Annual return | -23.30% | -5.97%-17.3pp | 572.31%-595.6pp | -7.85%-15.4pp |
| Employer contribution / active EE | $1,490 | $3,382-55.9% | $4,815-69.1% | $2,597-42.6% |
| Participant deferral / active EE | $4,400 | $6,111-28.0% | $7,448-40.9% | $4,028+9.3% |
| Admin fee / account holder | $1,056 | $6,277-83.2% | $10,007-89.4% | $5,404-80.5% |