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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 | $24,358 | $168,636-85.6% | $147,618-83.5% | $125,388-80.6% |
| Participation rate | 66.7% | 88.8%-22.1pp | 84.6%-18.0pp | 83.2%-16.5pp |
| Annual return | -7.05% | 77.65%-84.7pp | 61.98%-69.0pp | 282.24%-289.3pp |
| Employer contribution / active EE | $3,118 | $6,252-50.1% | $5,565-44.0% | $4,866-35.9% |
| Participant deferral / active EE | $4,490 | $5,507-18.5% | $4,895-8.3% | $5,352-16.1% |
| Admin fee / account holder | $626 | $13,580-95.4% | $11,612-94.6% | $9,541-93.4% |