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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 | $14,325 | $49,451-71.0% | $79,580-82.0% | $66,938-78.6% |
| Participation rate | 19.7% | 61.3%-41.6pp | 69.5%-49.8pp | 69.8%-50.1pp |
| Annual return | -32.87% | 84.25%-117.1pp | 0.15%-33.0pp | 1.58%-34.4pp |
| Employer contribution / active EE | $775 | $1,266-38.8% | $2,413-67.9% | $2,545-69.6% |
| Participant deferral / active EE | $1,659 | $3,159-47.5% | $3,985-58.4% | $4,238-60.9% |
| Admin fee / account holder | $1,570 | $595+164.0% | $6,835-77.0% | $594+164.5% |