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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 | $138,068-91.6% | $125,358-90.8% | $134,493-91.4% |
| Participation rate | 56.3% | 84.5%-28.2pp | 82.4%-26.1pp | 81.2%-25.0pp |
| Annual return | -44.07% | 750.30%-794.4pp | 572.03%-616.1pp | 418.01%-462.1pp |
| Employer contribution / active EE | $2,382 | $5,244-54.6% | $4,814-50.5% | $4,740-49.7% |
| Participant deferral / active EE | $3,606 | $7,799-53.8% | $7,447-51.6% | $6,400-43.7% |
| Admin fee / account holder | $819 | $11,568-92.9% | $10,007-91.8% | $11,425-92.8% |