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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 | $17,255 | $84,482-79.6% | $125,363-86.2% | $66,930-74.2% |
| Participation rate | 45.5% | 76.4%-30.9pp | 82.4%-36.8pp | 69.8%-24.3pp |
| Annual return | -20.86% | -8.49%-12.4pp | 572.15%-593.0pp | 1.57%-22.4pp |
| Employer contribution / active EE | $3,068 | $3,553-13.6% | $4,815-36.3% | $2,545+20.6% |
| Participant deferral / active EE | $5,161 | $6,782-23.9% | $7,447-30.7% | $4,238+21.8% |
| Admin fee / account holder | $1,633 | $685+138.4% | $10,005-83.7% | $593+175.2% |