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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 | $15,733 | $135,645-88.4% | $110,243-85.7% | $135,380-88.4% |
| Participation rate | 47.8% | 83.5%-35.6pp | 79.8%-32.0pp | 82.6%-34.8pp |
| Annual return | -10.81% | 513.24%-524.0pp | 314.76%-325.6pp | 519.81%-530.6pp |
| Employer contribution / active EE | $1,035 | $4,907-78.9% | $3,827-73.0% | $4,779-78.4% |
| Participant deferral / active EE | $2,750 | $5,507-50.1% | $4,672-41.1% | $5,609-51.0% |
| Admin fee / account holder | $1,399 | $11,458-87.8% | $8,548-83.6% | $10,828-87.1% |