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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 | $9,409 | $68,996-86.4% | $159,991-94.1% | $68,495-86.3% |
| Participation rate | 44.4% | 65.4%-21.0pp | 78.0%-33.5pp | 67.9%-23.4pp |
| Annual return | -23.01% | -9.65%-13.4pp | 408.82%-431.8pp | -7.84%-15.2pp |
| Employer contribution / active EE | $568 | $2,212-74.3% | $4,225-86.5% | $2,596-78.1% |
| Participant deferral / active EE | $2,592 | $4,211-38.4% | $6,183-58.1% | $4,028-35.6% |
| Admin fee / account holder | $382 | $4,797-92.0% | $8,715-95.6% | $5,403-92.9% |