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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 | $8,723 | $95,979-90.9% | $74,551-88.3% | $135,380-93.6% |
| Participation rate | 50.0% | 75.7%-25.7pp | 69.1%-19.1pp | 82.6%-32.6pp |
| Annual return | -13.40% | 56.97%-70.4pp | 32.53%-45.9pp | 519.81%-533.2pp |
| Employer contribution / active EE | $1,029 | $2,716-62.1% | $1,961-47.5% | $4,779-78.5% |
| Participant deferral / active EE | $1,771 | $3,844-53.9% | $3,108-43.0% | $5,609-68.4% |
| Admin fee / account holder | $1,223 | $6,522-81.3% | $5,059-75.8% | $10,828-88.7% |