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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 | $12,764 | $95,975-86.7% | $74,552-82.9% | $135,382-90.6% |
| Participation rate | 60.0% | 75.7%-15.7pp | 69.1%-9.1pp | 82.6%-22.6pp |
| Annual return | -51.60% | 56.96%-108.6pp | 32.53%-84.1pp | 519.77%-571.4pp |
| Employer contribution / active EE | $2,846 | $2,716+4.8% | $1,961+45.1% | $4,779-40.4% |
| Participant deferral / active EE | $7,848 | $3,844+104.2% | $3,108+152.5% | $5,609+39.9% |
| Admin fee / account holder | $1,148 | $6,522-82.4% | $5,060-77.3% | $10,829-89.4% |