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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 | $17,270 | $138,072-87.5% | $123,549-86.0% | $135,382-87.2% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -12.93% | 153.69%-166.6pp | 119.20%-132.1pp | 519.77%-532.7pp |
| Employer contribution / active EE | $2,036 | $5,152-60.5% | $4,628-56.0% | $4,779-57.4% |
| Participant deferral / active EE | $5,959 | $6,799-12.4% | $6,426-7.3% | $5,609+6.3% |
| Admin fee / account holder | $3,302 | $10,917-69.8% | $9,284-64.4% | $10,829-69.5% |