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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 | $11,552 | $138,114-91.6% | $125,391-90.8% | $134,545-91.4% |
| Participation rate | 56.3% | 84.5%-28.2pp | 82.4%-26.1pp | 81.2%-25.0pp |
| Annual return | -44.07% | 750.88%-795.0pp | 572.41%-616.5pp | 418.37%-462.4pp |
| Employer contribution / active EE | $2,382 | $5,246-54.6% | $4,816-50.5% | $4,742-49.8% |
| Participant deferral / active EE | $3,606 | $7,801-53.8% | $7,448-51.6% | $6,401-43.7% |
| Admin fee / account holder | $819 | $11,570-92.9% | $10,009-91.8% | $11,431-92.8% |