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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 | $12,222 | $82,674-85.2% | $125,381-90.3% | $68,486-82.2% |
| Participation rate | 30.3% | 75.1%-44.7pp | 82.4%-52.1pp | 67.9%-37.6pp |
| Annual return | -30.57% | -5.97%-24.6pp | 572.31%-602.9pp | -7.85%-22.7pp |
| Employer contribution / active EE | $1,268 | $3,382-62.5% | $4,815-73.7% | $2,597-51.2% |
| Participant deferral / active EE | $3,719 | $6,111-39.1% | $7,448-50.1% | $4,028-7.7% |
| Admin fee / account holder | $737 | $6,277-88.3% | $10,007-92.6% | $5,404-86.4% |