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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 | $17,456 | $72,404-75.9% | $110,243-84.2% | $64,173-72.8% |
| Participation rate | 47.7% | 73.3%-25.6pp | 79.8%-32.1pp | 69.6%-21.8pp |
| Annual return | -8.93% | -6.29%-2.6pp | 314.76%-323.7pp | 7.63%-16.6pp |
| Employer contribution / active EE | $1,459 | $2,282-36.0% | $3,827-61.9% | $2,381-38.7% |
| Participant deferral / active EE | $4,600 | $3,469+32.6% | $4,672-1.5% | $3,470+32.6% |
| Admin fee / account holder | $1,344 | $5,664-76.3% | $8,548-84.3% | $4,887-72.5% |