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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 | $26,326 | $180,459-85.4% | $154,108-82.9% | $135,380-80.6% |
| Participation rate | 63.6% | 87.4%-23.8pp | 83.0%-19.4pp | 82.6%-19.0pp |
| Annual return | -13.21% | 888.21%-901.4pp | 735.21%-748.4pp | 519.81%-533.0pp |
| Employer contribution / active EE | $2,619 | $6,035-56.6% | $5,298-50.6% | $4,779-45.2% |
| Participant deferral / active EE | $6,623 | $5,806+14.1% | $5,081+30.3% | $5,609+18.1% |
| Admin fee / account holder | $415 | $16,145-97.4% | $13,411-96.9% | $10,828-96.2% |