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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 | $16,250 | $82,674-80.3% | $125,381-87.0% | $68,486-76.3% |
| Participation rate | 60.0% | 75.1%-15.1pp | 82.4%-22.4pp | 67.9%-7.9pp |
| Annual return | -20.69% | -5.97%-14.7pp | 572.31%-593.0pp | -7.85%-12.8pp |
| Employer contribution / active EE | $3,669 | $3,382+8.5% | $4,815-23.8% | $2,597+41.3% |
| Participant deferral / active EE | $7,344 | $6,111+20.2% | $7,448-1.4% | $4,028+82.3% |
| Admin fee / account holder | $549 | $6,277-91.3% | $10,007-94.5% | $5,404-89.8% |