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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 | $8,497 | $190,879-95.5% | $160,009-94.7% | $134,532-93.7% |
| Participation rate | 25.0% | 82.0%-57.0pp | 78.0%-53.0pp | 81.2%-56.2pp |
| Annual return | -64.89% | 552.63%-617.5pp | 408.85%-473.7pp | 418.27%-483.2pp |
| Employer contribution / active EE | $669 | $4,995-86.6% | $4,225-84.2% | $4,741-85.9% |
| Participant deferral / active EE | $2,361 | $6,924-65.9% | $6,183-61.8% | $6,401-63.1% |
| Admin fee / account holder | $3,985 | $10,495-62.0% | $8,715-54.3% | $11,429-65.1% |