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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 | $4,771 | $49,177-90.3% | $79,467-94.0% | $64,173-92.6% |
| Participation rate | 56.3% | 65.0%-8.8pp | 73.3%-17.1pp | 69.6%-13.3pp |
| Annual return | -11.41% | -1.16%-10.2pp | 718.30%-729.7pp | 7.63%-19.0pp |
| Employer contribution / active EE | $959 | $2,076-53.8% | $2,800-65.7% | $2,381-59.7% |
| Participant deferral / active EE | $1,037 | $2,821-63.2% | $3,704-72.0% | $3,470-70.1% |
| Admin fee / account holder | $327 | $3,839-91.5% | $5,104-93.6% | $4,887-93.3% |