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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 | $26,233 | $217,432-87.9% | $185,851-85.9% | $167,553-84.3% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | -1.65% | 148.43%-150.1pp | 122.11%-123.8pp | 478.89%-480.5pp |
| Employer contribution / active EE | $5,546 | $5,874-5.6% | $5,168+7.3% | $4,840+14.6% |
| Participant deferral / active EE | $3,248 | $6,357-48.9% | $5,569-41.7% | $6,343-48.8% |
| Admin fee / account holder | $1,350 | $19,820-93.2% | $16,245-91.7% | $12,316-89.0% |