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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 | $19,825 | $72,404-72.6% | $110,243-82.0% | $64,173-69.1% |
| Participation rate | 63.3% | 73.3%-10.1pp | 79.8%-16.6pp | 69.6%-6.3pp |
| Annual return | -8.19% | -6.29%-1.9pp | 314.76%-322.9pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,410 | $2,282-38.2% | $3,827-63.1% | $2,381-40.8% |
| Participant deferral / active EE | $2,432 | $3,469-29.9% | $4,672-48.0% | $3,470-29.9% |
| Admin fee / account holder | $2,269 | $5,664-59.9% | $8,548-73.5% | $4,887-53.6% |