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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 | $5,905 | $75,962-92.2% | $154,108-96.2% | $64,173-90.8% |
| Participation rate | 32.3% | 70.4%-38.2pp | 83.0%-50.8pp | 69.6%-37.3pp |
| Annual return | -12.96% | 30.32%-43.3pp | 735.21%-748.2pp | 7.63%-20.6pp |
| Employer contribution / active EE | $391 | $3,350-88.3% | $5,298-92.6% | $2,381-83.6% |
| Participant deferral / active EE | $1,207 | $3,175-62.0% | $5,081-76.2% | $3,470-65.2% |
| Admin fee / account holder | $794 | $5,589-85.8% | $13,411-94.1% | $4,887-83.8% |