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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 | $14,071 | $82,678-83.0% | $125,391-88.8% | $68,490-79.5% |
| Participation rate | 47.1% | 75.1%-28.0pp | 82.4%-35.3pp | 67.9%-20.8pp |
| Annual return | -33.00% | -5.97%-27.0pp | 572.41%-605.4pp | -7.85%-25.1pp |
| Employer contribution / active EE | $1,699 | $3,382-49.8% | $4,816-64.7% | $2,597-34.6% |
| Participant deferral / active EE | $4,722 | $6,111-22.7% | $7,448-36.6% | $4,028+17.2% |
| Admin fee / account holder | $451 | $6,277-92.8% | $10,009-95.5% | $5,403-91.7% |