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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 | $7,865 | $190,862-95.9% | $159,991-95.1% | $134,509-94.2% |
| Participation rate | 58.3% | 82.0%-23.6pp | 78.0%-19.6pp | 81.2%-22.9pp |
| Annual return | -25.69% | 552.59%-578.3pp | 408.82%-434.5pp | 418.13%-443.8pp |
| Employer contribution / active EE | $734 | $4,995-85.3% | $4,225-82.6% | $4,741-84.5% |
| Participant deferral / active EE | $2,738 | $6,924-60.4% | $6,183-55.7% | $6,400-57.2% |
| Admin fee / account holder | $337 | $10,495-96.8% | $8,715-96.1% | $11,427-97.1% |