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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 | $23,022 | $135,639-83.0% | $110,241-79.1% | $135,382-83.0% |
| Participation rate | 64.3% | 83.5%-19.2pp | 79.8%-15.5pp | 82.6%-18.4pp |
| Annual return | -11.92% | 513.21%-525.1pp | 314.75%-326.7pp | 519.77%-531.7pp |
| Employer contribution / active EE | $2,169 | $4,907-55.8% | $3,827-43.3% | $4,779-54.6% |
| Participant deferral / active EE | $5,329 | $5,507-3.2% | $4,672+14.1% | $5,609-5.0% |
| Admin fee / account holder | $656 | $11,457-94.3% | $8,548-92.3% | $10,829-93.9% |