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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 | $12,165 | $68,996-82.4% | $159,991-92.4% | $68,495-82.2% |
| Participation rate | 63.2% | 65.4%-2.3pp | 78.0%-14.8pp | 67.9%-4.7pp |
| Annual return | -54.88% | -9.65%-45.2pp | 408.82%-463.7pp | -7.84%-47.0pp |
| Employer contribution / active EE | $2,650 | $2,212+19.8% | $4,225-37.3% | $2,596+2.1% |
| Participant deferral / active EE | $4,990 | $4,211+18.5% | $6,183-19.3% | $4,028+23.9% |
| Admin fee / account holder | $1,348 | $4,797-71.9% | $8,715-84.5% | $5,403-75.1% |