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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 | $29,429 | $160,059-81.6% | $140,019-79.0% | $135,379-78.3% |
| Participation rate | 57.9% | 88.5%-30.6pp | 87.5%-29.6pp | 82.6%-24.7pp |
| Annual return | -12.11% | 911.44%-923.6pp | 651.15%-663.3pp | 519.79%-531.9pp |
| Employer contribution / active EE | $2,170 | $6,420-66.2% | $5,605-61.3% | $4,779-54.6% |
| Participant deferral / active EE | $3,815 | $7,641-50.1% | $6,927-44.9% | $5,609-32.0% |
| Admin fee / account holder | $716 | $13,328-94.6% | $10,705-93.3% | $10,828-93.4% |