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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 | $14,406 | $160,059-91.0% | $140,019-89.7% | $135,379-89.4% |
| Participation rate | 57.1% | 88.5%-31.4pp | 87.5%-30.4pp | 82.6%-25.5pp |
| Annual return | -38.20% | 911.44%-949.6pp | 651.15%-689.3pp | 519.79%-558.0pp |
| Employer contribution / active EE | $1,435 | $6,420-77.6% | $5,605-74.4% | $4,779-70.0% |
| Participant deferral / active EE | $3,718 | $7,641-51.3% | $6,927-46.3% | $5,609-33.7% |
| Admin fee / account holder | $437 | $13,328-96.7% | $10,705-95.9% | $10,828-96.0% |