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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 | $17,576 | $82,678-78.7% | $125,391-86.0% | $68,490-74.3% |
| Participation rate | 50.0% | 75.1%-25.1pp | 82.4%-32.4pp | 67.9%-17.9pp |
| Annual return | -22.32% | -5.97%-16.3pp | 572.41%-594.7pp | -7.85%-14.5pp |
| Employer contribution / active EE | $2,197 | $3,382-35.1% | $4,816-54.4% | $2,597-15.4% |
| Participant deferral / active EE | $3,327 | $6,111-45.6% | $7,448-55.3% | $4,028-17.4% |
| Admin fee / account holder | $708 | $6,277-88.7% | $10,009-92.9% | $5,403-86.9% |