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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 | $4,259 | $82,674-94.8% | $125,363-96.6% | $68,495-93.8% |
| Participation rate | 63.0% | 75.0%-12.1pp | 82.4%-19.4pp | 67.9%-4.9pp |
| Annual return | -30.46% | -5.97%-24.5pp | 572.15%-602.6pp | -7.84%-22.6pp |
| Employer contribution / active EE | $2,128 | $3,382-37.1% | $4,815-55.8% | $2,596-18.1% |
| Participant deferral / active EE | $3,452 | $6,111-43.5% | $7,447-53.6% | $4,028-14.3% |
| Admin fee / account holder | $2,056 | $6,276-67.2% | $10,005-79.5% | $5,403-62.0% |