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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 | $13,960 | $138,102-89.9% | $125,381-88.9% | $134,532-89.6% |
| Participation rate | 35.3% | 84.5%-49.2pp | 82.4%-47.1pp | 81.2%-45.9pp |
| Annual return | -27.89% | 750.73%-778.6pp | 572.31%-600.2pp | 418.27%-446.2pp |
| Employer contribution / active EE | $1,484 | $5,245-71.7% | $4,815-69.2% | $4,741-68.7% |
| Participant deferral / active EE | $2,987 | $7,801-61.7% | $7,448-59.9% | $6,401-53.3% |
| Admin fee / account holder | $5,011 | $11,568-56.7% | $10,007-49.9% | $11,429-56.2% |