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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 | $17,136 | $82,674-79.3% | $125,381-86.3% | $68,486-75.0% |
| Participation rate | 64.0% | 75.1%-11.1pp | 82.4%-18.4pp | 67.9%-3.9pp |
| Annual return | -20.18% | -5.97%-14.2pp | 572.31%-592.5pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,334 | $3,382-60.5% | $4,815-72.3% | $2,597-48.6% |
| Participant deferral / active EE | $3,314 | $6,111-45.8% | $7,448-55.5% | $4,028-17.7% |
| Admin fee / account holder | $537 | $6,277-91.4% | $10,007-94.6% | $5,404-90.1% |