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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 | $16,209 | $82,674-80.4% | $125,381-87.1% | $68,486-76.3% |
| Participation rate | 48.7% | 75.1%-26.4pp | 82.4%-33.7pp | 67.9%-19.2pp |
| Annual return | -22.44% | -5.97%-16.5pp | 572.31%-594.7pp | -7.85%-14.6pp |
| Employer contribution / active EE | $1,754 | $3,382-48.1% | $4,815-63.6% | $2,597-32.4% |
| Participant deferral / active EE | $4,047 | $6,111-33.8% | $7,448-45.7% | $4,028+0.5% |
| Admin fee / account holder | $389 | $6,277-93.8% | $10,007-96.1% | $5,404-92.8% |