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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 | $22,486 | $135,645-83.4% | $110,243-79.6% | $135,379-83.4% |
| Participation rate | 55.6% | 83.5%-27.9pp | 79.8%-24.3pp | 82.6%-27.1pp |
| Annual return | -8.97% | 513.24%-522.2pp | 314.76%-323.7pp | 519.79%-528.8pp |
| Employer contribution / active EE | $2,243 | $4,907-54.3% | $3,827-41.4% | $4,779-53.1% |
| Participant deferral / active EE | $4,404 | $5,507-20.0% | $4,672-5.7% | $5,609-21.5% |
| Admin fee / account holder | $1,961 | $11,458-82.9% | $8,548-77.1% | $10,828-81.9% |