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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 | $4,299 | $93,098-95.4% | $77,081-94.4% | $134,509-96.8% |
| Participation rate | 66.7% | 74.5%-7.8pp | 67.9%-1.2pp | 81.2%-14.6pp |
| Annual return | -24.90% | 62.63%-87.5pp | 42.33%-67.2pp | 418.13%-443.0pp |
| Employer contribution / active EE | $1,201 | $3,419-64.9% | $2,813-57.3% | $4,741-74.7% |
| Participant deferral / active EE | $2,405 | $5,239-54.1% | $4,428-45.7% | $6,400-62.4% |
| Admin fee / account holder | $813 | $6,945-88.3% | $5,427-85.0% | $11,427-92.9% |