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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 | $8,925 | $77,901-88.5% | $149,717-94.0% | $75,181-88.1% |
| Participation rate | 23.3% | 65.6%-42.2pp | 78.8%-55.4pp | 67.2%-43.9pp |
| Annual return | -41.97% | 31.73%-73.7pp | 134.41%-176.4pp | 160.69%-202.7pp |
| Employer contribution / active EE | $465 | $3,137-85.2% | $4,820-90.3% | $2,671-82.6% |
| Participant deferral / active EE | $1,073 | $3,411-68.5% | $5,682-81.1% | $4,126-74.0% |
| Admin fee / account holder | $5,826 | $5,949-2.1% | $13,213-55.9% | $5,650+3.1% |