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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 | $8,886 | $133,981-93.4% | $112,249-92.1% | $134,532-93.4% |
| Participation rate | 58.3% | 78.6%-20.2pp | 75.1%-16.7pp | 81.2%-22.9pp |
| Annual return | -84.48% | 47.16%-131.6pp | 27.48%-112.0pp | 418.27%-502.7pp |
| Employer contribution / active EE | $801 | $4,040-80.2% | $3,636-78.0% | $4,741-83.1% |
| Participant deferral / active EE | $5,806 | $5,292+9.7% | $4,729+22.8% | $6,401-9.3% |
| Admin fee / account holder | $471 | $7,492-93.7% | $6,412-92.6% | $11,429-95.9% |