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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 | $8,479 | $54,357-84.4% | $82,706-89.7% | $68,495-87.6% |
| Participation rate | 56.7% | 63.9%-7.3pp | 72.6%-15.9pp | 67.9%-11.2pp |
| Annual return | -29.98% | -13.67%-16.3pp | 701.76%-731.7pp | -7.84%-22.1pp |
| Employer contribution / active EE | $1,344 | $2,218-39.4% | $3,007-55.3% | $2,596-48.3% |
| Participant deferral / active EE | $3,589 | $3,246+10.5% | $4,394-18.3% | $4,028-10.9% |
| Admin fee / account holder | $411 | $4,396-90.7% | $5,329-92.3% | $5,403-92.4% |