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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 | $11,430 | $97,761-88.3% | $83,850-86.4% | $135,382-91.6% |
| Participation rate | 66.7% | 80.0%-13.3pp | 76.1%-9.5pp | 82.6%-16.0pp |
| Annual return | -10.68% | 1287.44%-1298.1pp | 850.92%-861.6pp | 519.77%-530.4pp |
| Employer contribution / active EE | $1,449 | $4,222-65.7% | $3,631-60.1% | $4,779-69.7% |
| Participant deferral / active EE | $2,246 | $4,682-52.0% | $4,082-45.0% | $5,609-60.0% |
| Admin fee / account holder | $481 | $6,674-92.8% | $5,478-91.2% | $10,829-95.6% |