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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 | $9,868 | $84,685-88.3% | $73,836-86.6% | $125,389-92.1% |
| Participation rate | 65.0% | 76.8%-11.8pp | 73.4%-8.4pp | 83.2%-18.2pp |
| Annual return | -5.97% | 3123.80%-3129.8pp | 2268.06%-2274.0pp | 282.24%-288.2pp |
| Employer contribution / active EE | $1,513 | $3,123-51.6% | $2,787-45.7% | $4,866-68.9% |
| Participant deferral / active EE | $2,396 | $3,993-40.0% | $3,583-33.1% | $5,352-55.2% |
| Admin fee / account holder | $364 | $5,694-93.6% | $4,882-92.5% | $9,541-96.2% |