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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 | $7,200 | $82,630-91.3% | $64,105-88.8% | $125,389-94.3% |
| Participation rate | 53.8% | 75.9%-22.0pp | 68.2%-14.3pp | 83.2%-29.3pp |
| Annual return | -23.29% | 1489.72%-1513.0pp | 791.24%-814.5pp | 282.24%-305.5pp |
| Employer contribution / active EE | $1,328 | $2,671-50.3% | $1,820-27.0% | $4,866-72.7% |
| Participant deferral / active EE | $2,664 | $3,608-26.2% | $2,822-5.6% | $5,352-50.2% |
| Admin fee / account holder | $1,495 | $6,382-76.6% | $4,499-66.8% | $9,541-84.3% |