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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 | $13,369 | $138,072-90.3% | $123,549-89.2% | $135,382-90.1% |
| Participation rate | 55.6% | 84.7%-29.2pp | 82.3%-26.7pp | 82.6%-27.1pp |
| Annual return | -11.11% | 153.69%-164.8pp | 119.20%-130.3pp | 519.77%-530.9pp |
| Employer contribution / active EE | $1,043 | $5,152-79.7% | $4,628-77.5% | $4,779-78.2% |
| Participant deferral / active EE | $2,474 | $6,799-63.6% | $6,426-61.5% | $5,609-55.9% |
| Admin fee / account holder | $1,538 | $10,917-85.9% | $9,284-83.4% | $10,829-85.8% |