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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 | $20,135 | $72,404-72.2% | $110,243-81.7% | $64,173-68.6% |
| Participation rate | 17.7% | 73.3%-55.6pp | 79.8%-62.1pp | 69.6%-51.8pp |
| Annual return | -18.22% | -6.29%-11.9pp | 314.76%-333.0pp | 7.63%-25.9pp |
| Employer contribution / active EE | $710 | $2,282-68.9% | $3,827-81.4% | $2,381-70.2% |
| Participant deferral / active EE | $1,779 | $3,469-48.7% | $4,672-61.9% | $3,470-48.7% |
| Admin fee / account holder | $316 | $5,664-94.4% | $8,548-96.3% | $4,887-93.5% |